So I'm in Kilkenny, Ireland for WordCamp Ireland, and I'm having a complete blast, thanks in large part to the great organization done by Sabrina Dent and Katherine Nolan . The tech track is absolutely blowing my mind: it's really techy!
The people here are great: I met a lot of awesome people, basically to be separated in two groups. Group one are the Automattic people: Donncha , Jane Wells , Sheri Bigelow , Hanni Ross & John Godley . Some of the other people worth mentioning because they did cool stuff: Daryl Koopersmith gave a great talk on WordPress themes, Andrea Trasatti did another superb presentation on WordPress mobile plugins and themes (and got me to actually work on yoast.com and get me a decent mobile plugin going). Thank you, all!
Lastly, I'm always amazed that even though I mostly live in a Google world (actually, I had lunch with Fili Wiese and colleagues in Google's EMEA HQ last friday and Luisella Mazza from Google is here on WordCamp Ireland too), the people from Microsoft I meet on these conferences almost always turn out to be absolutely awesome people: Josh Holmes and Martha Rotter : you rock!
So I gave a presentation myself on saturday, which has been filmed and will probably appear on WordPress.tv , but these are the slides:
WordCamp Ireland: having a blast! is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1145
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1262858872
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1198
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_universal_link_color
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1199
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1199
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_universal_link_hover_color
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1200
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1200
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_universal_custom_font
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1201
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1201
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_universal_list_style
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: disc
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: disc
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_affiliate_link
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1204
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1204
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_grav_email
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1129
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1129
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_timeout_feed_867bd5c64f85878d03a060509cd2f92c
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_timeout_feed_867bd5c64f85878d03a060509cd2f92c
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1262689351
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1262689351
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1183
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_timeout_plugin_slugs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_timeout_plugin_slugs
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1375836977
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1375836977
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1184
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1184
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_plugin_slugs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_plugin_slugs
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[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:21:{i:0;s:19:"akismet/akismet.php";i:1;s:27:"BackupBuddy/backupbuddy.php";i:2;s:36:"contact-form-7/wp-contact-form-7.php";i:3;s:33:"date-exclusion/date-exclusion.php";i:4;s:28:"embed-iframe/embediframe.php";i:5;s:31:"favicon-manager/favicon-mgr.php";i:6;s:34:"feedburner-plugin/fdfeedburner.php";i:7;s:50:"google-analytics-for-wordpress/googleanalytics.php";i:8;s:36:"google-sitemap-generator/sitemap.php";i:9;s:19:"jetpack/jetpack.php";i:10;s:37:"my-category-order/mycategoryorder.php";i:11;s:33:"seo-image/seo-friendly-images.php";i:12;s:23:"seo-slugs/seo-slugs.php";i:13;s:25:"add-to-any/add-to-any.php";i:14;s:27:"simple-tags/simple-tags.php";i:15;s:30:"smart-youtube/smartyoutube.php";i:16;s:36:"wordpress-backup/WordpressBackup.php";i:17;s:29:"wp-db-backup/wp-db-backup.php";i:18;s:29:"wppopoverpro/wppopoverpro.php";i:19;s:39:"wp-table-reloaded/wp-table-reloaded.php";i:20;s:19:"zemanta/zemanta.php";}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 17159
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: initial_db_version
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: initial_db_version
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 18226
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: smart_youtube_pro
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[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:33:{s:5:"posts";s:2:"on";s:8:"comments";s:3:"off";s:3:"img";s:3:"off";s:5:"width";i:425;s:6:"height";i:344;s:7:"widthhq";i:480;s:8:"heighthq";i:295;s:9:"widthside";i:200;s:10:"heightside";i:167;s:3:"rel";i:1;s:4:"link";s:2:"on";s:5:"valid";s:3:"off";s:6:"search";s:3:"off";s:4:"info";s:2:"on";s:3:"ann";s:2:"on";s:8:"template";s:7:"{video}";s:8:"autoplay";i:0;s:14:"autoplay_first";i:0;s:7:"privacy";i:0;s:5:"wtext";s:0:"";s:6:"wtitle";s:0:"";s:3:"tag";s:0:"";s:6:"iframe";s:2:"on";s:4:"http";s:3:"off";s:3:"www";s:3:"off";s:4:"loop";i:0;s:5:"thumb";s:3:"off";s:8:"colorbox";s:3:"off";s:14:"colorbox_theme";i:1;s:7:"excerpt";s:3:"not";s:8:"logoless";s:2:"on";s:7:"wiziapp";s:3:"off";s:5:"theme";s:4:"dark";}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:33:{s:5:"posts";s:2:"on";s:8:"comments";s:3:"off";s:3:"img";s:3:"off";s:5:"width";i:425;s:6:"height";i:344;s:7:"widthhq";i:480;s:8:"heighthq";i:295;s:9:"widthside";i:200;s:10:"heightside";i:167;s:3:"rel";i:1;s:4:"link";s:2:"on";s:5:"valid";s:3:"off";s:6:"search";s:3:"off";s:4:"info";s:2:"on";s:3:"ann";s:2:"on";s:8:"template";s:7:"{video}";s:8:"autoplay";i:0;s:14:"autoplay_first";i:0;s:7:"privacy";i:0;s:5:"wtext";s:0:"";s:6:"wtitle";s:0:"";s:3:"tag";s:0:"";s:6:"iframe";s:2:"on";s:4:"http";s:3:"off";s:3:"www";s:3:"off";s:4:"loop";i:0;s:5:"thumb";s:3:"off";s:8:"colorbox";s:3:"off";s:14:"colorbox_theme";i:1;s:7:"excerpt";s:3:"not";s:8:"logoless";s:2:"on";s:7:"wiziapp";s:3:"off";s:5:"theme";s:4:"dark";}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: simpletags-version
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: seo_friendly_images_notice
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_update_themes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_update_themes
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: O:8:"stdClass":3:{s:12:"last_checked";i:1375750562;s:7:"checked";a:18:{s:7:"classic";s:3:"1.5";s:6:"css/..";s:5:"1.3.0";s:7:"default";s:3:"1.6";s:10:"frugal_315";s:4:"3.15";s:44:"frugal_315_unzip_for_install_instructions/..";s:5:"1.3.0";s:9:"frugal_32";s:3:"3.2";s:11:"headway-151";s:5:"1.5.1";s:13:"headway-156-2";s:5:"1.5.6";s:11:"headway-156";s:5:"1.5.6";s:9:"images/..";s:5:"1.3.0";s:6:"inc/..";s:5:"1.3.0";s:5:"js/..";s:5:"1.3.0";s:11:"language/..";s:5:"1.3.0";s:8:"snips/..";s:5:"1.3.0";s:12:"twentyeleven";s:3:"1.4";s:9:"twentyten";s:3:"1.4";s:12:"twentytwelve";s:3:"1.1";s:10:"whitehouse";s:5:"1.3.1";}s:8:"response";a:3:{s:12:"twentyeleven";a:3:{s:11:"new_version";s:3:"1.5";s:3:"url";s:40:"http://wordpress.org/themes/twentyeleven";s:7:"package";s:57:"http://wordpress.org/themes/download/twentyeleven.1.5.zip";}s:9:"twentyten";a:3:{s:11:"new_version";s:3:"1.5";s:3:"url";s:37:"http://wordpress.org/themes/twentyten";s:7:"package";s:54:"http://wordpress.org/themes/download/twentyten.1.5.zip";}s:10:"whitehouse";a:3:{s:11:"new_version";s:5:"2.0.0";s:3:"url";s:38:"http://wordpress.org/themes/whitehouse";s:7:"package";s:57:"http://wordpress.org/themes/download/whitehouse.2.0.0.zip";}}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: O:8:"stdClass":3:{s:12:"last_checked";i:1375750562;s:7:"checked";a:18:{s:7:"classic";s:3:"1.5";s:6:"css/..";s:5:"1.3.0";s:7:"default";s:3:"1.6";s:10:"frugal_315";s:4:"3.15";s:44:"frugal_315_unzip_for_install_instructions/..";s:5:"1.3.0";s:9:"frugal_32";s:3:"3.2";s:11:"headway-151";s:5:"1.5.1";s:13:"headway-156-2";s:5:"1.5.6";s:11:"headway-156";s:5:"1.5.6";s:9:"images/..";s:5:"1.3.0";s:6:"inc/..";s:5:"1.3.0";s:5:"js/..";s:5:"1.3.0";s:11:"language/..";s:5:"1.3.0";s:8:"snips/..";s:5:"1.3.0";s:12:"twentyeleven";s:3:"1.4";s:9:"twentyten";s:3:"1.4";s:12:"twentytwelve";s:3:"1.1";s:10:"whitehouse";s:5:"1.3.1";}s:8:"response";a:3:{s:12:"twentyeleven";a:3:{s:11:"new_version";s:3:"1.5";s:3:"url";s:40:"http://wordpress.org/themes/twentyeleven";s:7:"package";s:57:"http://wordpress.org/themes/download/twentyeleven.1.5.zip";}s:9:"twentyten";a:3:{s:11:"new_version";s:3:"1.5";s:3:"url";s:37:"http://wordpress.org/themes/twentyten";s:7:"package";s:54:"http://wordpress.org/themes/download/twentyten.1.5.zip";}s:10:"whitehouse";a:3:{s:11:"new_version";s:5:"2.0.0";s:3:"url";s:38:"http://wordpress.org/themes/whitehouse";s:7:"package";s:57:"http://wordpress.org/themes/download/whitehouse.2.0.0.zip";}}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 314
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 314
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_indexposts
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fusion_indexposts
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: full
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: full
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 172
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 172
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: GoogleAnalyticsPP
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: GoogleAnalyticsPP
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:21:{s:12:"dlextensions";s:31:"doc,exe,.js,pdf,ppt,tgz,zip,xls";s:8:"dlprefix";s:10:"/downloads";s:9:"artprefix";s:17:"/outbound/article";s:9:"comprefix";s:17:"/outbound/comment";s:12:"comautprefix";s:23:"/outbound/commentauthor";s:14:"blogrollprefix";s:18:"/outbound/blogroll";s:11:"domainorurl";s:6:"domain";s:6:"userv2";b:0;s:7:"extrase";b:0;s:7:"imagese";b:0;s:13:"admintracking";b:1;s:13:"trackoutbound";b:1;s:16:"advancedsettings";b:0;s:11:"allowanchor";b:0;s:8:"uastring";s:13:"UA-12016313-1";s:8:"position";s:6:"footer";s:6:"domain";s:0:"";s:13:"trackloggedin";b:0;s:12:"trackadsense";b:0;s:14:"rsslinktagging";b:0;s:17:"trackregistration";b:0;}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:21:{s:12:"dlextensions";s:31:"doc,exe,.js,pdf,ppt,tgz,zip,xls";s:8:"dlprefix";s:10:"/downloads";s:9:"artprefix";s:17:"/outbound/article";s:9:"comprefix";s:17:"/outbound/comment";s:12:"comautprefix";s:23:"/outbound/commentauthor";s:14:"blogrollprefix";s:18:"/outbound/blogroll";s:11:"domainorurl";s:6:"domain";s:6:"userv2";b:0;s:7:"extrase";b:0;s:7:"imagese";b:0;s:13:"admintracking";b:1;s:13:"trackoutbound";b:1;s:16:"advancedsettings";b:0;s:11:"allowanchor";b:0;s:8:"uastring";s:13:"UA-12016313-1";s:8:"position";s:6:"footer";s:6:"domain";s:0:"";s:13:"trackloggedin";b:0;s:12:"trackadsense";b:0;s:14:"rsslinktagging";b:0;s:17:"trackregistration";b:0;}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 475
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 475
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_timeout_feed_mod_b939749eebb2ae71d663ab35c79d1381
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_timeout_feed_mod_b939749eebb2ae71d663ab35c79d1381
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1257239230
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1257239230
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 469
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 469
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_timeout_feed_b939749eebb2ae71d663ab35c79d1381
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_timeout_feed_b939749eebb2ae71d663ab35c79d1381
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1257239230
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1257239230
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 178
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 178
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: seo_friendly_images_alt
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: seo_friendly_images_alt
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: %name %title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: %name %title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 179
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 179
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: seo_friendly_images_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: seo_friendly_images_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: %title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: %title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 180
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 180
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: seo_friendly_images_override
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: seo_friendly_images_override
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: on
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: on
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 181
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 181
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: akismet_available_servers
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: akismet_available_servers
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:4:{s:12:"66.135.58.61";b:1;s:12:"66.135.58.62";b:1;s:12:"72.233.69.88";b:1;s:12:"72.233.69.89";b:1;}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:4:{s:12:"66.135.58.61";b:1;s:12:"66.135.58.62";b:1;s:12:"72.233.69.88";b:1;s:12:"72.233.69.89";b:1;}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 182
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 182
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: akismet_connectivity_time
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: akismet_connectivity_time
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1313174555
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1313174555
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 216
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 216
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: sm_options
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: sm_options
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:58:{s:18:"sm_b_prio_provider";s:41:"GoogleSitemapGeneratorPrioByCountProvider";s:13:"sm_b_filename";s:11:"sitemap.xml";s:10:"sm_b_debug";b:0;s:8:"sm_b_xml";b:1;s:9:"sm_b_gzip";b:1;s:9:"sm_b_ping";b:1;s:14:"sm_b_pingyahoo";b:0;s:13:"sm_b_yahookey";s:0:"";s:12:"sm_b_pingask";b:1;s:12:"sm_b_pingmsn";b:1;s:19:"sm_b_manual_enabled";b:0;s:17:"sm_b_auto_enabled";b:1;s:15:"sm_b_auto_delay";b:1;s:15:"sm_b_manual_key";s:32:"978ac896f4877a79c9aa761223cf6a6b";s:11:"sm_b_memory";s:0:"";s:9:"sm_b_time";i:-1;s:14:"sm_b_max_posts";i:-1;s:13:"sm_b_safemode";b:0;s:18:"sm_b_style_default";b:1;s:10:"sm_b_style";s:0:"";s:11:"sm_b_robots";b:1;s:12:"sm_b_exclude";a:0:{}s:17:"sm_b_exclude_cats";a:0:{}s:18:"sm_b_location_mode";s:4:"auto";s:20:"sm_b_filename_manual";s:63:"/home7/askricha/public_html/advisormarketingsuccess/sitemap.xml";s:19:"sm_b_fileurl_manual";s:50:"http://www.AdvisorMarketingSuccess.com/sitemap.xml";s:10:"sm_in_home";b:1;s:11:"sm_in_posts";b:1;s:15:"sm_in_posts_sub";b:0;s:11:"sm_in_pages";b:1;s:10:"sm_in_cats";b:0;s:10:"sm_in_arch";b:0;s:10:"sm_in_auth";b:0;s:10:"sm_in_tags";b:0;s:9:"sm_in_tax";a:0:{}s:13:"sm_in_lastmod";b:1;s:10:"sm_cf_home";s:5:"daily";s:11:"sm_cf_posts";s:7:"monthly";s:11:"sm_cf_pages";s:6:"weekly";s:10:"sm_cf_cats";s:6:"weekly";s:10:"sm_cf_auth";s:6:"weekly";s:15:"sm_cf_arch_curr";s:5:"daily";s:14:"sm_cf_arch_old";s:6:"yearly";s:10:"sm_cf_tags";s:6:"weekly";s:10:"sm_pr_home";d:1;s:11:"sm_pr_posts";d:0.59999999999999997779553950749686919152736663818359375;s:15:"sm_pr_posts_min";d:0.200000000000000011102230246251565404236316680908203125;s:11:"sm_pr_pages";d:0.59999999999999997779553950749686919152736663818359375;s:10:"sm_pr_cats";d:0.299999999999999988897769753748434595763683319091796875;s:10:"sm_pr_arch";d:0.299999999999999988897769753748434595763683319091796875;s:10:"sm_pr_auth";d:0.299999999999999988897769753748434595763683319091796875;s:10:"sm_pr_tags";d:0.299999999999999988897769753748434595763683319091796875;s:12:"sm_i_donated";b:0;s:17:"sm_i_hide_donated";b:0;s:17:"sm_i_install_date";i:1253755412;s:14:"sm_i_hide_note";b:0;s:15:"sm_i_hide_works";b:0;s:16:"sm_i_hide_donors";b:0;}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:58:{s:18:"sm_b_prio_provider";s:41:"GoogleSitemapGeneratorPrioByCountProvider";s:13:"sm_b_filename";s:11:"sitemap.xml";s:10:"sm_b_debug";b:0;s:8:"sm_b_xml";b:1;s:9:"sm_b_gzip";b:1;s:9:"sm_b_ping";b:1;s:14:"sm_b_pingyahoo";b:0;s:13:"sm_b_yahookey";s:0:"";s:12:"sm_b_pingask";b:1;s:12:"sm_b_pingmsn";b:1;s:19:"sm_b_manual_enabled";b:0;s:17:"sm_b_auto_enabled";b:1;s:15:"sm_b_auto_delay";b:1;s:15:"sm_b_manual_key";s:32:"978ac896f4877a79c9aa761223cf6a6b";s:11:"sm_b_memory";s:0:"";s:9:"sm_b_time";i:-1;s:14:"sm_b_max_posts";i:-1;s:13:"sm_b_safemode";b:0;s:18:"sm_b_style_default";b:1;s:10:"sm_b_style";s:0:"";s:11:"sm_b_robots";b:1;s:12:"sm_b_exclude";a:0:{}s:17:"sm_b_exclude_cats";a:0:{}s:18:"sm_b_location_mode";s:4:"auto";s:20:"sm_b_filename_manual";s:39:"/home2/richasz1/public_html/sitemap.xml";s:19:"sm_b_fileurl_manual";s:36:"http://richardemmons.com/sitemap.xml";s:10:"sm_in_home";b:1;s:11:"sm_in_posts";b:1;s:15:"sm_in_posts_sub";b:0;s:11:"sm_in_pages";b:1;s:10:"sm_in_cats";b:0;s:10:"sm_in_arch";b:0;s:10:"sm_in_auth";b:0;s:10:"sm_in_tags";b:0;s:9:"sm_in_tax";a:0:{}s:13:"sm_in_lastmod";b:1;s:10:"sm_cf_home";s:5:"daily";s:11:"sm_cf_posts";s:7:"monthly";s:11:"sm_cf_pages";s:6:"weekly";s:10:"sm_cf_cats";s:6:"weekly";s:10:"sm_cf_auth";s:6:"weekly";s:15:"sm_cf_arch_curr";s:5:"daily";s:14:"sm_cf_arch_old";s:6:"yearly";s:10:"sm_cf_tags";s:6:"weekly";s:10:"sm_pr_home";d:1;s:11:"sm_pr_posts";d:0.59999999999999997779553950749686919152736663818359375;s:15:"sm_pr_posts_min";d:0.200000000000000011102230246251565404236316680908203125;s:11:"sm_pr_pages";d:0.59999999999999997779553950749686919152736663818359375;s:10:"sm_pr_cats";d:0.299999999999999988897769753748434595763683319091796875;s:10:"sm_pr_arch";d:0.299999999999999988897769753748434595763683319091796875;s:10:"sm_pr_auth";d:0.299999999999999988897769753748434595763683319091796875;s:10:"sm_pr_tags";d:0.299999999999999988897769753748434595763683319091796875;s:12:"sm_i_donated";b:0;s:17:"sm_i_hide_donated";b:0;s:17:"sm_i_install_date";i:1253755412;s:14:"sm_i_hide_note";b:0;s:15:"sm_i_hide_works";b:0;s:16:"sm_i_hide_donors";b:0;}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2119
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2119
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_timeout_wporg_theme_feature_list
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_timeout_wporg_theme_feature_list
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1263578849
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1263578849
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2120
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2120
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_wporg_theme_feature_list
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_wporg_theme_feature_list
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:5:{s:6:"Colors";a:14:{i:0;s:5:"black";i:1;s:4:"blue";i:2;s:5:"brown";i:3;s:5:"green";i:4;s:6:"orange";i:5;s:4:"pink";i:6;s:6:"purple";i:7;s:3:"red";i:8;s:6:"silver";i:9;s:3:"tan";i:10;s:5:"white";i:11;s:6:"yellow";i:12;s:4:"dark";i:13;s:5:"light";}s:7:"Columns";a:6:{i:0;s:10:"one-column";i:1;s:11:"two-columns";i:2;s:13:"three-columns";i:3;s:12:"four-columns";i:4;s:12:"left-sidebar";i:5;s:13:"right-sidebar";}s:5:"Width";a:2:{i:0;s:11:"fixed-width";i:1;s:14:"flexible-width";}s:8:"Features";a:10:{i:0;s:13:"custom-colors";i:1;s:13:"custom-header";i:2;s:13:"theme-options";i:3;s:17:"threaded-comments";i:4;s:11:"sticky-post";i:5;s:12:"microformats";i:6;s:20:"rtl-language-support";i:7;s:17:"translation-ready";i:8;s:20:"front-page-post-form";i:9;s:10:"buddypress";}s:7:"Subject";a:3:{i:0;s:7:"holiday";i:1;s:13:"photoblogging";i:2;s:8:"seasonal";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:5:{s:6:"Colors";a:14:{i:0;s:5:"black";i:1;s:4:"blue";i:2;s:5:"brown";i:3;s:5:"green";i:4;s:6:"orange";i:5;s:4:"pink";i:6;s:6:"purple";i:7;s:3:"red";i:8;s:6:"silver";i:9;s:3:"tan";i:10;s:5:"white";i:11;s:6:"yellow";i:12;s:4:"dark";i:13;s:5:"light";}s:7:"Columns";a:6:{i:0;s:10:"one-column";i:1;s:11:"two-columns";i:2;s:13:"three-columns";i:3;s:12:"four-columns";i:4;s:12:"left-sidebar";i:5;s:13:"right-sidebar";}s:5:"Width";a:2:{i:0;s:11:"fixed-width";i:1;s:14:"flexible-width";}s:8:"Features";a:10:{i:0;s:13:"custom-colors";i:1;s:13:"custom-header";i:2;s:13:"theme-options";i:3;s:17:"threaded-comments";i:4;s:11:"sticky-post";i:5;s:12:"microformats";i:6;s:20:"rtl-language-support";i:7;s:17:"translation-ready";i:8;s:20:"front-page-post-form";i:9;s:10:"buddypress";}s:7:"Subject";a:3:{i:0;s:7:"holiday";i:1;s:13:"photoblogging";i:2;s:8:"seasonal";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 318
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 318
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_headercolor
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fusion_headercolor
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 204db0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 204db0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 319
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 319
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_logo
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fusion_logo
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 320
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 320
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_sidebarpos
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fusion_sidebarpos
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: right
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: right
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 321
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 321
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_topnav
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fusion_topnav
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: pages
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: pages
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 322
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 322
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_search
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fusion_search
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: default
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: default
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_searchcode
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fusion_searchcode
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 324
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 324
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_footer
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fusion_footer
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 325
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 325
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_css
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fusion_css
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: /* Decrease header height to 150 pixels and hide the logo */
/#page-wrap2, #header{ height: 150px; }
/body{ background-position: left 150px; }
/a#logo{ display: none; }
/* Hide post information bar */
.postinfo{ display: none; }
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: /* Decrease header height to 150 pixels and hide the logo */
/#page-wrap2, #header{ height: 150px; }
/body{ background-position: left 150px; }
/a#logo{ display: none; }
/* Hide post information bar */
.postinfo{ display: none; }
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 326
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 326
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_sortcategories
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fusion_sortcategories
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 327
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 327
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_showcategorycount
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fusion_showcategorycount
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: on
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: on
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 328
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 328
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_twitterid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fusion_twitterid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 329
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 329
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_twitterentries
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fusion_twitterentries
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 330
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 330
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_flickrid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fusion_flickrid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_logoimage
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fusion_logoimage
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/Richard_Emmons 169x211.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/Richard_Emmons 169x211.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 521
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 521
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: sidebars_widgets
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: sidebars_widgets
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:21:{s:19:"wp_inactive_widgets";a:12:{i:0;s:8:"search-2";i:1;s:7:"pages-2";i:2;s:10:"calendar-2";i:3;s:10:"archives-2";i:4;s:7:"links-2";i:5;s:6:"meta-2";i:6;s:6:"text-2";i:7;s:12:"categories-2";i:8;s:14:"recent-posts-2";i:9;s:17:"recent-comments-2";i:10;s:5:"rss-2";i:11;s:11:"tag_cloud-2";}s:9:"sidebar-1";a:4:{i:0;s:16:"1sc-custom-forms";i:1;s:14:"recent-posts-3";i:2;s:12:"categories-3";i:3;s:6:"text-3";}s:9:"sidebar-2";a:0:{}s:9:"sidebar-3";a:0:{}s:9:"sidebar-4";a:0:{}s:9:"sidebar-5";a:0:{}s:9:"sidebar-6";a:0:{}s:9:"sidebar-7";a:0:{}s:9:"sidebar-8";a:0:{}s:9:"sidebar-9";a:0:{}s:10:"sidebar-10";a:0:{}s:10:"sidebar-11";a:0:{}s:10:"sidebar-12";a:0:{}s:10:"sidebar-13";a:0:{}s:10:"sidebar-14";a:0:{}s:10:"sidebar-15";a:0:{}s:10:"sidebar-16";a:0:{}s:10:"sidebar-17";a:0:{}s:10:"sidebar-18";a:0:{}s:10:"sidebar-19";a:0:{}s:13:"array_version";i:3;}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:21:{s:19:"wp_inactive_widgets";a:12:{i:0;s:8:"search-2";i:1;s:7:"pages-2";i:2;s:10:"calendar-2";i:3;s:10:"archives-2";i:4;s:7:"links-2";i:5;s:6:"meta-2";i:6;s:6:"text-2";i:7;s:12:"categories-2";i:8;s:14:"recent-posts-2";i:9;s:17:"recent-comments-2";i:10;s:5:"rss-2";i:11;s:11:"tag_cloud-2";}s:9:"sidebar-1";a:4:{i:0;s:16:"1sc-custom-forms";i:1;s:14:"recent-posts-3";i:2;s:12:"categories-3";i:3;s:6:"text-3";}s:9:"sidebar-2";a:0:{}s:9:"sidebar-3";a:0:{}s:9:"sidebar-4";a:0:{}s:9:"sidebar-5";a:0:{}s:9:"sidebar-6";a:0:{}s:9:"sidebar-7";a:0:{}s:9:"sidebar-8";a:0:{}s:9:"sidebar-9";a:0:{}s:10:"sidebar-10";a:0:{}s:10:"sidebar-11";a:0:{}s:10:"sidebar-12";a:0:{}s:10:"sidebar-13";a:0:{}s:10:"sidebar-14";a:0:{}s:10:"sidebar-15";a:0:{}s:10:"sidebar-16";a:0:{}s:10:"sidebar-17";a:0:{}s:10:"sidebar-18";a:0:{}s:10:"sidebar-19";a:0:{}s:13:"array_version";i:3;}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 524
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 524
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fm_favicon_location
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fm_favicon_location
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/2009/11/DollarSign3.ico
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/2009/11/DollarSign3.ico
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 525
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 525
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fm_rss2_feed_option
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fm_rss2_feed_option
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 526
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 526
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fm_atom_feed_option
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fm_atom_feed_option
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1205
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1205
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_header_scripts
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_header_scripts
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1206
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1206
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_scripts
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_scripts
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1207
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1207
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_add_footer_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_add_footer_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Copyright © 2010 Reality Marketing, LLC
Advisor Marketing Success
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Copyright © 2010 Reality Marketing, LLC
Advisor Marketing Success
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1208
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1208
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_text_layout
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_text_layout
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: frugal Link | Custom Text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: frugal Link | Custom Text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1209
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1209
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_copyright_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_copyright_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1210
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1210
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_admin_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_admin_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1211
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1211
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_content_combine
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_content_combine
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1212
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1212
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1213
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1213
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_top_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_top_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1214
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1214
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_top_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_top_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1215
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1215
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_top_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_top_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1216
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1216
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 12
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 12
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1218
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1218
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_footer_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_footer_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1219
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1219
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 666666
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 666666
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1220
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1220
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 666666
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 666666
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1221
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1221
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 666666
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 666666
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1222
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1222
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1223
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1223
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_display_location
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_display_location
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Posts
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Posts
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1224
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1224
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_trackbacks_active
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_trackbacks_active
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1225
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1225
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_avatar_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_avatar_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 80
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 80
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1226
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1226
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_text_above_comment_box
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_text_above_comment_box
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Leave A Comment...
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Leave A Comment...
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1227
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1227
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_sub_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_sub_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Submit Comment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Submit Comment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1228
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1228
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_head_foot_fluid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_head_foot_fluid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: None
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: None
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1229
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1229
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_layout_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_layout_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Right Sidebar
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Right Sidebar
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1230
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1230
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_content_column_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_content_column_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 612
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 612
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1231
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1231
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sidebar_1_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sidebar_1_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 248
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 248
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1232
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1232
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sidebar_2_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sidebar_2_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1233
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1233
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1234
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1234
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 444444
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 444444
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1235
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1235
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: bg.png
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: bg.png
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1236
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1236
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_wrap_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_wrap_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1237
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1237
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cms_layout_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cms_layout_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Right Sidebar
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Right Sidebar
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1238
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1238
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sidebar_cms_1_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sidebar_cms_1_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 300
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 300
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1239
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1239
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sidebar_cms_2_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sidebar_cms_2_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 190
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 190
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1240
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1240
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1241
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1241
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3B3B3B
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3B3B3B
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1242
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1242
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_tb_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_tb_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1243
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1243
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_lr_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_lr_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1244
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1244
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_container_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_container_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1245
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1245
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_container_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_container_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1246
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1246
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_container_tb_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_container_tb_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1247
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1247
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_container_lr_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_container_lr_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1248
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1248
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1249
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1249
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1250
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1250
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_tb_padding_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_tb_padding_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1251
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1251
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_lr_padding_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_lr_padding_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1252
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1252
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_lr_container_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_lr_container_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1253
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1253
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_master_reset_1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_master_reset_1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: off
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: off
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1254
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1254
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_master_reset_2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_master_reset_2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: off
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: off
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1255
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1255
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_description
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_description
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1256
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1256
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_keywords
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_keywords
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: advisor marketing, financial advisor marketing, richard emmons, reality marketing, grow assets, adviser
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: advisor marketing, financial advisor marketing, richard emmons, reality marketing, grow assets, adviser
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1257
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1257
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_seo1_active
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_seo1_active
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1258
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1258
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_seo2_active
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_seo2_active
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1259
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1259
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_canonical
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_canonical
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1260
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1260
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cat_meta
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cat_meta
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1261
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1261
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_tag_meta
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_tag_meta
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1262
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1262
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_nofollow_home
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_nofollow_home
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1263
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1263
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_nofollow_comment_author
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_nofollow_comment_author
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1264
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1264
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_noindex_archives
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_noindex_archives
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1265
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1265
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_noindex_cats
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_noindex_cats
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1266
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1266
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_noindex_tags
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_noindex_tags
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1267
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1267
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_noindex_author
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_noindex_author
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1268
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1268
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: %tagline% | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: %tagline% | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1269
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1269
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: %post_title% | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: %post_title% | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1270
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1270
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_page_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_page_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: %page_title% | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: %page_title% | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1271
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1271
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cat_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cat_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: %category_title% | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: %category_title% | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1272
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1272
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_tag_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_tag_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: %tag_title% | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: %tag_title% | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1273
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1273
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_archive_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_archive_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: %archive_title% | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: %archive_title% | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1274
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1274
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_search_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_search_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Search for: %search_title% | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Search for: %search_title% | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1275
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1275
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_author_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_author_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: %author_title% | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: %author_title% | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1276
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1276
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_404_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_404_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 404 Not Found | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 404 Not Found | %blog_title%
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1277
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1277
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_header_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_header_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1278
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1278
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_header_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_header_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1279
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1279
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_header_border_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_header_border_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Bottom
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Bottom
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1280
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1280
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_header_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_header_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1281
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1281
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_header_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_header_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1282
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1282
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Image FULL
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Image FULL
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1283
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1283
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: header3.png
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: header3.png
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1284
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1284
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_header_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_header_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 140
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 140
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1285
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1285
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 930
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 930
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1286
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1286
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_image_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_image_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1287
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1287
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_text_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_text_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 30
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 30
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1288
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1288
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_text_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_text_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1289
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1289
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_text_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_text_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1290
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1290
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_text_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_text_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1291
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1291
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1292
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1292
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 40
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 40
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1293
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1293
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_logo_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_logo_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1294
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1294
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1295
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1295
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1296
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1296
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_font_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_font_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 5482C8
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 5482C8
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1297
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1297
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1298
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1298
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_tag_show
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_tag_show
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1299
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1299
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_tag_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_tag_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1300
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1300
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_tag_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_tag_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1301
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1301
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_tag_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_tag_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1302
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1302
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_tag_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_tag_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1303
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1303
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_tag_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_tag_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1304
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1304
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_tag_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_tag_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1305
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1305
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_tag_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_tag_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1306
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1306
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_tag_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_tag_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1307
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1307
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_tag_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_tag_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 888888
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 888888
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1308
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1308
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_logo_tag_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_logo_tag_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1309
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1309
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_header_right_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_header_right_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1310
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1310
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_header_right_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_header_right_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1311
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1311
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_header_right_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_header_right_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1312
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1312
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_header_right_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_header_right_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1313
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1313
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_tab_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_tab_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Home
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Home
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1314
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1314
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_exclude_pages
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_exclude_pages
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 176
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 176
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1315
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1315
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_remove_page_titles
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_remove_page_titles
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: body.pageid-93 #content h1, body.pageid-710 #content h1,body.pageid-790 #content h1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: body.pageid-93 #content h1, body.pageid-710 #content h1,body.pageid-790 #content h1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1316
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1316
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_exclude_subnav_pages
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_exclude_subnav_pages
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 35
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 35
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1317
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1317
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_nav_location
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_nav_location
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Below Header
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Below Header
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1318
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1318
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_location
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_location
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Below Header
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Below Header
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1319
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1319
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_cms_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_cms_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1320
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1320
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_right_layout
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_right_layout
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Search
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Search
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1321
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1321
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_rss_link
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_rss_link
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1322
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1322
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_email_link
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_email_link
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1323
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1323
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_twitter_id
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_twitter_id
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: RichardEmmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: RichardEmmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1324
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1324
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_right_subscribe_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_right_subscribe_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Subscribe:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Subscribe:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1325
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1325
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_right_twitter_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_right_twitter_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Follow Me On
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Follow Me On
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1326
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1326
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Helvetica, sans-serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Helvetica, sans-serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1327
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1327
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1328
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1328
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_subnav_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_subnav_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1329
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1329
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1330
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1330
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_caps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_caps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: uppercase
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: uppercase
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1332
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1332
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1333
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1333
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1334
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1334
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_text_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_text_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 58962F
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 58962F
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1335
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1335
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_text_hover_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_text_hover_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1336
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1336
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_sub_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_sub_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 666666
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 666666
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1337
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1337
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_sub_text_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_sub_text_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 666666
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 666666
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1338
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1338
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 50774C
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 50774C
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1339
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1339
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_page_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_page_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 50774C
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 50774C
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1340
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1340
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_page_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_page_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_sub_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_sub_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1342
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1342
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_sub_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_sub_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1343
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1343
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1344
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1344
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_page_tb_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_page_tb_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1345
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1345
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_page_lr_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_page_lr_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1346
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1346
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_sub_tb_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_sub_tb_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1347
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1347
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_sub_lr_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_sub_lr_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1348
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1348
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_top_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_top_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1349
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1349
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_bottom_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_bottom_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1350
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1350
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_right_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_right_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1351
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1351
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_sub_box_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_sub_box_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 140
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 140
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1352
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1352
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1353
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1353
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_sub_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_sub_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1354
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1354
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Helvetica, sans-serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Helvetica, sans-serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1355
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1355
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1356
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1356
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_navbar_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_navbar_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1357
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1357
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1358
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1358
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_caps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_caps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: none
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: none
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1359
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1359
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1360
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1360
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1361
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1361
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 555555
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 555555
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1362
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1362
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_text_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_text_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 5482C8
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 5482C8
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1363
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1363
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_text_hover_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_text_hover_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1364
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1364
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_sub_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_sub_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 555555
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 555555
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1365
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1365
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_sub_text_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_sub_text_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 5482C8
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 5482C8
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1366
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1366
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_cp_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_cp_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 555555
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 555555
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1367
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1367
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1368
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1368
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_cp_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_cp_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: EEEEEE
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: EEEEEE
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1369
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1369
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_non_cp_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_non_cp_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1370
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1370
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_non_cp_hover_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_non_cp_hover_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1371
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1371
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_sub_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_sub_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1372
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1372
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_sub_hover_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_sub_hover_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1373
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1373
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1374
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1374
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_page_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_page_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1375
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1375
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_page_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_page_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1376
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1376
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_page_tb_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_page_tb_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 9
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 9
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1377
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1377
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_page_lr_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_page_lr_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1378
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1378
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_sub_tb_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_sub_tb_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1379
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1379
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_sub_lr_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_sub_lr_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1380
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1380
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_top_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_top_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1381
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1381
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_bottom_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_bottom_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1382
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1382
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_page_top_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_page_top_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1383
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1383
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_page_bottom_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_page_bottom_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1384
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1384
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_page_left_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_page_left_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1385
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1385
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_page_right_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_page_right_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1386
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1386
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_sub_box_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_sub_box_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 140
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 140
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1387
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1387
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_top_bottom_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_top_bottom_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1388
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1388
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_cp_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_cp_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1389
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1389
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_page_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_page_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1390
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1390
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_page_hover_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_page_hover_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1391
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1391
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_sub_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_sub_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1392
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1392
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_right_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_right_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Helvetica, sans-serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Helvetica, sans-serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1393
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1393
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_right_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_right_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1394
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1394
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_navbar_right_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_navbar_right_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1395
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1395
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_right_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_right_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 555555
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 555555
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1396
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1396
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_right_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_right_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1397
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1397
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_right_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_right_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1398
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1398
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_right_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_right_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1399
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1399
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_right_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_right_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1400
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1400
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_right_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_right_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1401
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1401
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_right_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_right_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1402
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1402
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_search_box_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_search_box_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: CAEBCD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: CAEBCD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1403
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1403
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_search_box_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_search_box_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 50774C
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 50774C
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1404
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1404
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_search_box_text_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_search_box_text_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 555555
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 555555
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1405
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1405
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_search_box_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_search_box_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1406
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1406
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_search_box_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_search_box_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Search this website...
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Search this website...
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1407
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1407
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_archive_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_archive_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Excerpt
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Excerpt
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1408
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1408
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_author_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_author_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1409
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1409
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_date_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_date_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1410
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1410
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1411
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1411
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cat_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cat_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1412
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1412
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_bottom_comment_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_bottom_comment_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1413
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1413
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_zero_comments_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_zero_comments_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Share your thoughts..
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Share your thoughts..
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1414
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1414
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_read_more_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_read_more_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Read more »
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Read more »
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1415
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1415
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_tag_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_tag_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1416
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1416
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_byline_author_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_byline_author_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Written by
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Written by
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1417
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1417
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_byline_date_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_byline_date_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: on
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: on
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1418
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1418
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_byline_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_byline_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: -70
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: -70
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1419
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1419
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_byline_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_byline_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: -5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: -5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1420
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1420
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cc_tb_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cc_tb_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1421
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1421
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cc_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cc_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1422
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1422
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cc_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cc_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1423
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1423
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cc_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cc_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1424
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1424
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cc_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cc_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_jquery
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 313
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fusion_meta
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fusion_meta
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: c2542508f6fe
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:25:"Dev Blog: WordPress 2.9.1";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://wordpress.org/development/?p=1140";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:57:"http://wordpress.org/development/2010/01/wordpress-2-9-1/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:680:"After over a million downloads of WordPress 2.9 and lots of feedback from all of you, we’re releasing WordPress 2.9.1. This release addresses a handful of minor issues as well as a rather annoying problem where scheduled posts and pingbacks are not processed correctly due to incompatibilities with some hosts. If any of these issues affect you, give 2.9.1 a try. Download 2.9.1 or upgrade automatically from the Tools->Upgrade menu in your blog’s admin area.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:62:"Alex King: Twitter Tools and WordPress 2.9 – Working or Not?";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:27:"http://alexking.org/?p=3933";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:82:"http://alexking.org/blog/2010/01/04/twitter-tools-and-wordpress-2-9-working-or-not";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1721:"A bunch of folks in the WordPress support forums appear to be having trouble with Twitter Tools with WordPress 2.9. It works as expected in my testing, the WordPress HelpCenter hasn’t been able to reproduce this either, and the works/broken voting on the plugin page is fairly evenly split.
I’d love to gather some explicit bug reports (this thing breaks here, this code on line X appears to fail, works with all other plugins turned off but not with plugin Y enabled as well, etc.) and/oor access (both WP admin and file editing) to an environment where this is
If you use Twitter Tools, could you take a moment to vote if it works for you with WordPress 2.9 ?
Thanks in advance.
A clean and minimalistic two column, fixed width theme
Froggy2010 is a really simple greenish WordPress Theme with one Sidebar and Widget Support. There is an Option Page to populate the Footer.
Pico is a grid-based magazine theme based on the famous Mimbo theme by Darren Hoyt, designed to work right out-of-the-box without having to install additional plugins. Features smart post thumbnail handling (supports 2.9 Canonical Post thumbnail or use first image on post), 10 widget areas (including four columns on footer), 3 page templates (Archives, List Authors and Sitemap), a custom Featured Categories widget, breadcrumb navigation and support for threaded comments.
This is a minimalistic, red-colored theme with automatic thumbnails, advertising space and a clean layout. Thumbnails are used from the default ones that WordPress generates when you upload an image with the post. The theme uses jQuery for animated menu and sidebar. Impress has been tested with Firefox, IE, Chrome and Safari without any problems.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:30:"Dev Blog: Early 2010 WordCamps";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://wordpress.org/development/?p=1127";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:62:"http://wordpress.org/development/2010/01/early-2010-wordcamps/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:8300:"Rested up from the holidays? I hope so, because the new year has begun and a lot is going to be happening with WordPress in 2010, and you definitely want to be a part of it. Later this week the scope for version 3.0 (featuring the addition of MU functionality to the WordPress codebase) will be decided in the IRC developer chat*, based on feedback provided by users like you . But it’s no fun to live by IRC alone, which is why we love WordCamps. Attending a WordCamp gives you a chance to meet people in your local community who are working with WordPress, as well as core contributors, theme designers, plugin developers, Codex writers, support forum moderators and other WordPress volunteers who’ve made WordPress what it is today. Add this New Year’s Resolution to your 2010 list if it’s not on there already: Attend a WordCamp, meet at least 5 new local people, learn something new, and if you have the chance, buy a drink for someone who’s volunteered their time and expertise to the WordPress open source project. To help you keep your resolution, here is a list of the upcoming WordCamps for the next three months, followed by what I know so far about each one.
January 8–9: WordCamp Atlanta WordCamp Boston WordCamp Greece in ThessalonikiWordCamp Indonesia in JakartaWordCamp Fukuoka WordCamp Ireland in KilkennyWordCamp Toronto
NORTH AMERICA
January 8–9: WordCamp Atlanta . First WordCamp of the year, and it’s already sold out — twice! They changed to a bigger venue based on demand, from Georgia Tech to the Atlanta campus of Savannah College of Art and Design (SCAD). They’re still letting people onto the waitlist , if you’re interested. A guaranteed way to get in would be to sponsor the event, and they’re taking last-minute sponsors right now. Atlanta will have sessions on Friday evening and all day Saturday. I’ll be opening the Saturday program with WordPress Resolutions: What to Expect in 2010 . After a day of design, development and content track sessions, Lead Developer Mark Jaquith will take the closing slot for a Town Hall-style Q&A. The attendee list (follow link, scroll down) includes a number of WordPress core contributors, theme/plugin developers, and support providers as well as proof that Atlanta has a strong WordPress user base.
January 23: WordCamp Boston . I think WordCamp Boston is trying to one-up every WordCamp the organizers have been to, including the awesome NYC from November, and it looks like they might succeed. From Doc Searls and David Weinberger as keynote speakers to the multiple-track, unconference and Ignite sessions to the sweet-looking venue and the party plans, this one has got it going on. I credit it in part to the fact that they are one of the few WordCamps to follow the advice of having an organizing team of more than just 2 or 3 people, so the work is better distributed. I see a number of familiar names on the attendee list , but even more that I don’t know, so I’m looking forward to meeting the Boston WordPress community. They’re still selling tickets , so if you’re in the northeast, you should try to make it. I’ll be at this one also, talking about how the merge with MU will affect the WordPress admin (by then we should have started figuring it out!).
March 27–28: WordCamp Toronto . The last two Toronto WordCamps have been really good. I heard there would be one in March, but their site right now is just taking emails for notification. I’ve contacted the organizer to see what’s up, and he says the site will likely go live this week. They’re looking for volunteers to help organize this year’s event, so if you’re interested, it would be a great opportunity to get involved. Believe me, volunteering at a WordCamp is one of the best ways to make sure you meet a lot of other attendees.
ASIA
January 30: WordCamp Indonesia . WordCamp Indonesia will be in Jakarta again this year. I love how they worded the beginning of their sessions page. “Come in, we’ll get you breakfast and coffee, you’ll register, there’ll be networking. It’ll be great.” There will be a single track of sessions, but there are several time slots set aside for ad-hoc discussion and breakout sessions.
February 27: WordCamp Fukuoka . WordCamp Fukuoka is just getting its site up, too, so check back periodically a little later for more information. One of their visiting speakers will be Noel Jackson , developer of the Press This bookmarklet as well as themes like P2 and Monotone /Duotone .
EUROPE
January 30: WordCamp Greece . WordCamp Greece will be held in Thessaloniki, and they expect about 100-150 people to attend.The program includes regular sessions on the usual topics (how-to, programming, SEO, multi-language sites, etc) as well as “QuickRounds,” which will showcase Greek projects based on WordPress. I’m especially intrigued by the “WordPress vs. Expression Engine” session. Whenever people compare different publishing platforms, it’s interesting to see which features they highlight. I hope someone gets video from this one and posts it to the WordCamp section of WordPress.tv .
March 6–7: WordCamp Ireland . WordCamp Ireland will be in Kilkenny, and for such a geographically small country, it’s got an impressive list of speakers , including Donncha O Caoimh , lead developer of WordPress MU . The program includes three tracks: Intro, Blogger, and Developer, and I think this will be the first WordCamp I’ve heard of that is deliberately family-friendly , with on-site child care. They’re also going to have a charging station for mobile devices, which is clever. It’s not confirmed yet, but I think I’ll be at this one, too.
If you want to attend a WordCamp but don’t know of one near you, check out WordCamp.org for the official list (updated frequently). That’s also where you would start if you wanted to organize a WordCamp in your area.
*Developer chats are held Thursdays at 21:00 UTC in the #wordpress-dev channel at irc.freenode.com.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:55:"Weblog Tools Collection: Anatomy Of A WordPress Release";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7469";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:84:"http://weblogtoolscollection.com/archives/2010/01/04/anatomy-of-a-wordpress-release/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2872:"During an interesting discussion regarding suggestions on how to improve WordPress core development on the WordPress hackers mailing list , Ryan Boren who is one of the core contributors with committ access laid out the foundation as to what the team tries to accomplish with each release of WordPress. I thought it would be good to bring this into more of the open for those wondering what’s involved.
** Alpha **
* Collect feature ideas from ideas forum, support forums, most popular plugins, dev brainstorms, and other sources.
** Feature Freeze **
* Once all features are deemed complete via meeting on #wordpress-dev, we enter feature freeze. Sometimes we have features that aren’t quite ready that are noted as exceptions to the freeze. Everything else is put in feature freeze with the hope of driving to beta on everything else. Ideally, there would be no freeze exceptions.
** Beta **
* “blocker” tickets are cleared. Beta 1 is released to kick off the public beta cycle.
** RC **
* Release RC1
** Final Release **
* Release it
** Alpha **
Dion Hulse also had a good list of ideas. If you have any thoughts or ideas on how to improve core development, place them here in the comments.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:21:"Matt: Menu Mind Games";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:21:"http://ma.tt/?p=33538";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:37:"http://ma.tt/2010/01/menu-mind-games/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:395:"Author William Poundstone Dissects the Marketing Tricks Built Into Balthazar’s Menu , “how something as simple as typography can drive you toward or away from that $39 steak.” I wish typography was that simple.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Sun, 03 Jan 2010 00:58:17 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:4:"Matt";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:6;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:43:"Andrew: Can themes style the visual editor?";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:34:"http://azaozz.wordpress.com/?p=130";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:74:"http://azaozz.wordpress.com/2010/01/02/can-themes-style-the-visual-editor/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:3115:"Short answer: yes. This has been available for quite some time but don’t think I’ve seen themes that do it. Things like typefaces, headings, image padding and borders, etc. can easily be set by the current theme making the visual editor… more WYSIWYG. All it takes is a stylesheet and a small function in the theme’s functions.php file:
add_filter('mce_css', 'my_editor_style');
function my_editor_style($url) {
if ( !empty($url) )
$url .= ',';
// Change the path here if using sub-directory
$url .= trailingslashit( get_stylesheet_directory_uri() ) . 'editor-style.css';
return $url;
}
where editor-style.css will be applied to TinyMCE’s iframe.
There is also an option to define CSS classes that can be inserted by the user and to add the “Styles” drop-down selector to the editor toolbar. This is probably most useful for developers when creating a custom theme for a client as these classes would stop working if the theme is changed.
I’ve put together a small package with examples of how to enable this. If you are creating WordPress themes, download it or have a look , it’s quite simple. If not, perhaps ask the author of your theme to add it to the next update.
Update: as Dion points out in the comments, this is not meant for adding the whole “style.css” to the editor. That could bring problems and most of the styling won’t apply there anyways. It works best when a separate stylesheet is made specifically for use in the editor (editor-style.css in the example). It should contain a small subset from style.css, usually the part that is applied to the actual posts.
New Plugins
Automatic WordPress Backup
Backup your entire WordPress website regularly and automatically
PeoplePond Online Identity Widget
Extend the reach and usability of your PeoplePond profile, including your verified identity, with the PeoplePond Identity Widget in the sidebar of your WordPress blog. It will display a badge to your blog readers detailing who you are and what other services they can follow you on.
Updated Plugins
Shashin
Shashin has many features for displaying your Picasa photos and videos in your WordPress posts and pages
LibXML2 Fix
Work around for some versions of libxml2 2.7.x that strip out brackets when parsing XML. This plugin fixes XML-RPC requests that are mangled because of this problem. The real fix for this (making the use of this plugin unnecessary) is to use PHP 5.2.9+ with libxml2 2.7.3+.
Custom Post Limits
Control the number of posts that appear on the front page, search results, and author, category, tag, and date archives, independent of each other, including specific archives.
Allow Multiple Accounts
Allow multiple user accounts to be created from the same email address.
Transpose Email
Keeps your email safe from spammers when you want to use mailto: links.
Where did they go from here
Show “Readers who viewed this page, also viewed” links on your page. Much like Amazon.com’s product pages.
Table of Contents Creator
Table of Contents Creator (TOCC) will generate a table of contents for your pages, posts and forum comments. New comments, pages, posts and post catagories will automatically appear as soon as they are published. A great new feature of TOCC is the ability to include automatically generated page and post summaries below each item in the table of contents.
Robots Meta
Easy way to add meta robots tags to WordPress pages
Store Locator
The Store Locator plugin for WordPress empowers web developers & web site owners to easily manage and display any set of important stores, products, or other locations on their website in an easily searchable manner. Uses Google Maps.
No Update Nag
Removes the WordPress update nag that appears at the top of all admin pages when a new version of WordPress is released.
Configure SMTP
Configure SMTP mailing in WordPress, including support for sending e-mail via SSL/TLS (such as GMail).
Front-end Editor
Makes most elements on your site editable with a simple double-click of the mouse. Version 1.6 brings editable categories and other goodies.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:58:"Weblog Tools Collection: WordPress Search Based DOS Attack";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7462";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:87:"http://weblogtoolscollection.com/archives/2010/01/01/wordpress-search-based-dos-attack/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1100:"I was notified on Twitter the other day that there was a new 0 Day denial of service exploit for WordPress. When asking on Twitter if it worked, numerous people replied that the published code did work and was taking down their sites. This raised some red flags for me so I jumped into the WordPress-Dev IRC channel to figure out what was going on.
The way this denial of service attack works is that a random search string is sent to the search form of a WordPress based website. Caching plugins do not work against this because the search string is randomized. It’s quite simple but what I’ve been told is that this is not an issue for WordPress to handle. Instead, this attack should be dealt with by the webhost on a firewall level. At one point, a ticket was created by Scribu but has since been closed as won’t fix.
So at the end of the day, the best defense you have is a competent webhost that will do their part to prevent these attacks from happening. No reason to be alarmed.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Fri, 01 Jan 2010 20:23:13 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:13:"Jeff Chandler";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:9;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:57:"Publisher Blog: RIM Selects WordPress for BlackBerry Blog";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:42:"http://publisherblog.automattic.com/?p=739";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:89:"http://publisherblog.automattic.com/2009/12/31/rim-selects-wordpress-for-blackberry-blog/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2180:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Thu, 31 Dec 2009 18:30:24 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:16:"Raanan Bar-Cohen";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:10;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:49:"Weblog Tools Collection: Best Of WLTC 2009 Part 2";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7453";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:78:"http://weblogtoolscollection.com/archives/2009/12/31/best-of-wltc-2009-part-2/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:15440:"Part two of our best of series. While were looking back, feel free to post in the comments a link to what you consider to be one of the best articles about WordPress you’ve read all year. If enough submissions are received, we may just create one more best of 2009 post featuring articles submitted by you. Please do not submit links to articles on sites you own or maintain.
July:
Official WordPress Commercial Theme Directory is live How Do You Post Content To Your Blog? Best Method To Post Content To WordPress Licensing is the vehicle, our users are the environment Tips For Troubleshooting Problems With WordPress Should I Update a Plugin if an Update is Available? WordPress for Beginners: Publish post tips and tricks What would you like in a WordPress Plugin? Developing Post Ideas for Your WordPress Site Create Private Twitter Like Site With WordPress Why Should You Add Your Plugin to WordPress Extend? Do you use the WordPress Codex? Do You Use Scheduled Posts Feature In WordPress?
August:
Fare Thee Well WordPress 2.0 Use WordPress To Highlight Your Business/Portfolio 26 Places to Find Free Multimedia for Your Blog Convert PSD Files To WordPress Themes Notifying Unconfirmed Feedburner Email Subscribers Download all the Competition Plugins! The Correct Way To Report A Security Issue With WordPress WP.me: URL Shortening Service From WordPress Why Is Gravatar Still Not Mainstream? 10 Useful WordPress Hook Hacks 21 Great Plugins for Manage Multi-Author Blogs Actions and Filters and Classes, Oh My! Display Thumbnails For Related Posts in Wordpress WordPress Stats Plug-in Review Roles And Capabilities In Plain English
September:
¿Habla HTML? Old WordPress version? Attack warning. Please upgrade! WordPress For Beginners: Understanding User Roles WordPress Cheatsheet Are You Responsible Enough To Run WordPress? The Best-Of Series: SEO Tools Excellent Guide To Make Most of Your WordPress Install Dealing With 404 Errors & Permanent Redirects In WordPress WordPress Plugin Competition 2009 Runner Ups! WordPress Plugin Competition 2009 Winner! The Best-Of Series: Contact Forms When Is A Plugin Considered A Ripoff?
October:
Inject Plugin Ideas Here -> Do You Check Your Spam Comments? Tips to Deal With Spam. Pinging Your Own Blog Posts? Good or Bad? FTC says bloggers must disclose payments and freebies Theme Authenticity Checker Gravatar Encouragement Using Conditional Statements In WordPress Are Your Plugins Compatible? Bulk Plugin Upgrades In 2.9 How Would You Leverage The WordPress Community?
November:
WordPress Warriors From Across The World WordPress for the Desktop… Would You Use It? The Best-Of Series: Download Managers Darn You WordPress!! How to Create an Author Info Section in WordPress How Do You Do That? Is Automattic Evil? How to Create Micro Blogs Within WordPress So we tried Intense Debate . . . Google To Help Notify You Of New Updates How To Disable Delete Post Functionality For Everyone Except Administrator Translators – Thank You The Geekier Side Of WordPress 2.9 Why are good plugins becoming orphans?
December:
WordPress Trademark Usage WordPress 2.9 Packs in Loads of Features: Hands-on Review Do You Use The Code Editor? How Often do You Use Functions.php in Themes? Publish The Feed Later Is WordPress Spyware? bbPress Lives Assortment Of Tips For Consultants 2.9.1 Around The Corner Trend For 2010 – Paying For Plugins Four Great Questions
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Thu, 31 Dec 2009 17:00:44 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:13:"Jeff Chandler";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:11;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:59:"Weblog Tools Collection: WordPress Theme Releases for 12/31";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7460";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:89:"http://weblogtoolscollection.com/archives/2009/12/31/wordpress-theme-releases-for-1231-2/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1453:"
Two column, widget ready theme with support for threaded comments and an options page for customizing the theme
2-3 column widget ready and adsense ready theme
The theme includes four different color schemes which you can conveniently switch to in the built-in theme options page.
Happy2010 is a simple New Year WordPress Theme with two Sidebars and Widget Support. There is an Option Page to populate the Footer. Page in German
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Thu, 31 Dec 2009 15:23:00 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:7:"Perurry";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:12;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:22:"Andrew: PodPress 8.8.2";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:34:"http://azaozz.wordpress.com/?p=125";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:54:"http://azaozz.wordpress.com/2009/12/31/podpress-8-8-2/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1569:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Thu, 31 Dec 2009 12:23:16 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:10:"Andrew Ozz";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:13;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:49:"Weblog Tools Collection: Best Of WLTC 2009 Part 1";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7450";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:78:"http://weblogtoolscollection.com/archives/2009/12/30/best-of-wltc-2009-part-1/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:14013:"Throughout the course of a year on WeblogToolsCollection.com, there is a ton of information published about WordPress whether it be a link to something cool or a home grown guide covering a specific feature of WordPress. The purpose of this two part series is to look back at the best articles published on the site but it’s also to reflect on the achievements the software has undergone during 2009. While it’s good to keep things moving along into the future, it’s healthy to look at the past every once in awhile to measure progress.
From all of us here at WLTC, we wish you a safe and happy New Year!
January:
Plugin Review: Simple:Press Forum Great Explanation Of Community PHPBB And WordPress Plugin Review: Referrer Detector Do You Post By Email? Plugin Review: WP Greet Box Plugin Review: WP125 Michael Pick Of WordPress.TV Et Tu Google? Then Fail, Net Safety
February:
Plugin Review: Autoclose Want To Buy Sandbox? Updated WP Plugin: Where did they go from here? Plugin Review: MailPress Mastering WordPress Shortcodes FeedBurner is Dead, Long Live Feedburner Plugin Review: Yawasp Plugin Authors, Are you making the best of Readme.txt? Plugin Review: Post Avatar The manual Excerpt in WordPress. What, why, how, tips and plugins
March:
Plugin Review: Improved Plugin Installation WordPress Plugin Development Beginner’s Guide WPLookup – Find Functions and Template Tags Fast How to Track RSS Subscribers in a Blog Contest Plugin Review: WP Mollom IE 8 and WordPress How to write a good plugin review New WordPress Plugin: Better Search Plugin Review: WordPress Filter Microsoft Web Platform Featured App: WordPress Top 10 Characteristics of a Great WordPress Plugin Plugin Review: cSprites for WordPress Is It Time For Kubrick To Retire?
April:
Plugin Review: Post Templates An Introduction and a Plugin Review: Admin Links Widget How to Highlight Search Terms with jQuery WordPress Download Monitor Review WordPress Add Twitter RSS Plugin Review Automattic buys Blo.gs Announcing Wordpress Plugin Competition 2009 (3.0) The Hidden Gem Of WordPress 9 Ways to Make Your WordPress Blog “Smart” BuddyPress 1.0 Has Arrived!!
May:
Smarter Theme Development Five Tools to Increase the RSS Subscribers for your WordPress Blog Plugins to Spruce Up Your WordPress Based Website I am sick of splogs Copying our Content! Need Help With That? Theme Development Checklist WP PluginsUsed: A Plugin Review What Are Your Theme Standards? Five Comment Related Plugins for WordPress Five Image Related Plugins for your WordPress Site What can WordPress do for you? Five Ad Manager Plugins for WordPress
June:
WordPress Plugin Compatibility Checker Publish Blog Posts In WordPress From Yahoo Mail Resources To Get You Kick Started With WordPress Plugin And Theme Development Checklist For New WordPress Installation Killing The WordPress Bugs and Helping Out With User Problems [WordPress Community] Should you use a Mobile WordPress Plugin? Antivirus Plugin For WordPress Security And Anti-spam Plugins For WordPress How Has WordPress Changed Your {Blogging} Life? Does It Matter If I Use 1 Plugin Or 100s Of Them? Attention All Plugin Authors Interviews: Matt Mullenweg – WordPress Co-Founder Benchmarking the WordPress Admin Panel WordPress Configuration Tricks
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Wed, 30 Dec 2009 17:00:37 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:13:"Jeff Chandler";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:14;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:48:"Peter Westwood: Giving your WordPress a check up";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:33:"http://westi.wordpress.com/?p=141";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:71:"http://westi.wordpress.com/2009/12/26/giving-your-wordpress-a-check-up/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:4142:"Every now and then someone finds something wrong with a WordPress install which, rather than be caused by a bug in WordPress itself, is caused by a server configuration error, an interaction between WordPress and something else installed on the server or is just a recommend optimisation for better site performance.
Everyone has a different set of pitfalls that they have come across and I would like to collect together all these little things into a comprehensive community developed plugin which can hopefully become one of the first “canonical ” plugins that we have talked about.
To that end I have developed a framework for this plugin, in the style of a unit test framework, to make it really easy to write tests and I am hoping that some of you will have ideas for tests and also that you will want to get involved.
For a while I have tagged tickets in the main WordPress trac where there are is possible inspiration for tests – http://bit.ly/healthchecktickets .
The following is an example of the code required to carry out one of these tests which recommends users of PHP4 upgrade to PHP5.
/**
* Check that we are running at least PHP 5
*
* @todo Provide a link to a codex article
* @link http://core.trac.wordpress.org/ticket/9751
* @author peterwestwood
*/
class HealthCheck_PHP_Version extends HealthCheckTest {
function run_test() {
$this->assertTrue( version_compare('5.0.0', PHP_VERSION, '<'),
sprintf( __( 'Your Webserver is running PHP version %s, which is no longer receiving security updates and will no longer be supported by a future version of WordPress.', 'health-check' ), PHP_VERSION ),
HEALTH_CHECK_RECOMMENDATION );
}
}
HealthCheck::register_test('HealthCheck_PHP_Version');
If you would like to get involved in the development of the plugin then you can check the source code out from the WordPress plugins subversion repository here: http://plugins.svn.wordpress.org/health-check/branches/alpha/http://plugins.trac.wordpress.org/log/health-check/branches/alpha
As the plugin is not yet ready for its first release we will be doing the development in this alpha branch and then move to trunk once we make the first release.
I am actively looking for fellow developers for this project as a community team we can make this a success.
So if you would like commit access to write some tests then drop me a note using the contact form with a bit about yourself and I will give you access.
A small update to the LibXML2 Fix WordPress plugin is now available, version 0.2.3.
The only change was the addition of 2.6.27 to the list of libxml versions that the plugin looks for. I’ve had a few reports that this version also has problems with stripping brackets.
For those that haven’t been following this problem here’s the short version of the story . Some combinations of libxml and PHP don’t play nice with each other, the result being that brackets get stripped out of XML content. This is a particular problem for XML-RPC requests in WordPress. This plugin injects a small hack into the XML-RPC data before it gets processed in an attempt to preserve the brackets.
Related posts:
WordPress & libxml2 Episode IV: A New Plugin Update On libxml2 Issues rssCloud WordPress Plugin Update – 0.4.1 Thanks to everyone who tested 2.9.1 Beta 1 . We’re following that up with Release Candidate 1. RC1 contains a few more fixes, bringing the number of fixed tickets up to 23. If you are already running Beta 1, visit Tools->Upgrade in your blog’s admin to get RC1. You can also download the RC1 package and install manually. If all goes well, 2.9.1 will be here soon.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Tue, 29 Dec 2009 23:27:23 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:10:"Ryan Boren";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:17;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:45:"Weblog Tools Collection: Four Great Questions";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7445";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:74:"http://weblogtoolscollection.com/archives/2009/12/29/four-great-questions/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1923:"
Why WordPress? What Would You Change In WordPress? What Problems Currently Face The WordPress Community? What Is The Future Of WordPress?
I had the opportunity to participate in this community survey with the question regarding the future of WordPress being my favorite. Here is what I had to say:
WordPress will continue to be used as a platform to do things that go far beyond blogging. As these projects end up in the showcase and acquire press, more people will begin to realize that WordPress is an excellent blogging tool but it’s by far the not only thing it is capable of doing. WordPress will continue to evolve as a framework or a platform that will enable these creative uses of the software. Hopefully one day, when Matt is asked what is WordPress capable of doing, his response will be, anything you can imagine.
You don’t have to concentrate on answering this question in the comments but, I am interested in what your response to that question would be.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Tue, 29 Dec 2009 21:36:54 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:13:"Jeff Chandler";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:18;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:59:"Weblog Tools Collection: WordPress Theme Releases for 12/29";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7443";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:87:"http://weblogtoolscollection.com/archives/2009/12/29/wordpress-theme-releases-for-1229/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1586:"
It is a single-column theme with bold headers and focuses on easy reading. There are no images used, it is SEO optimized, and is perfect for people that don’t want to get bogged down in all of the technicalities of other themes. There is also a widgetized footer with 3 places to put widgets in to help compensate for a lack of a sidebar.
It is minimalistic one-column theme with the widgets all arranged at the bottom. Clear was designed to make your content stand out and make everything else get out of the way.
It comes in 3 colors (green default, blue and black) , with a slideshow and a featured first page 4 posts from a category, two columns and dynamic widgets for the sidebar on the right and in the footer.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:60:"Weblog Tools Collection: WordPress Plugin Releases for 12/27";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7437";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:90:"http://weblogtoolscollection.com/archives/2009/12/27/wordpress-plugin-releases-for-1227-2/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2061:"New Plugins
HDLNS Today
Automatically insert HDLNS headlines as a widget using the post date.
Strip Ad
Add a Strip Ad above the header to your blog.
Code Comments
Automatically Escape HTML Entities of Code Fragments in Comments
Updated Plugins
Top 10
Count page views on posts and display a list of top posts by page views.
Contextual Related Posts
Display a list of contextually related posts for the current post. You can select the number of posts to display and if you want to automatically display the related posts in your content / feed.
Where did they go from here?
This plugin will show “Readers who viewed this page, also viewed” links on your page. This is similar to Amazon’s product pages which state “Readers who have bought this, also bought”
WP-Table Reloaded
This plugin enables you to create and manage tables in the admin-area of WordPress. You can then show them in your posts, on your pages or in text widgets by using a shortcode.
WatchCount.com WordPress Plugin (WCCWPPI)
The WatchCount.com WordPress Plugin (WCCWPPI) is a free plugin that allows you to display Most Popular eBay items and auctions in real-time, directly on your blog. You can also display eBay items from any particular seller.
Shout Stream
Shout Stream plugin aims to be the bridge of your wordpress and your stream (shoutcast or icecast).
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Sun, 27 Dec 2009 13:22:00 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:7:"Perurry";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:20;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:19:"Matt: Fireside Chat";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:21:"http://ma.tt/?p=33534";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:35:"http://ma.tt/2009/12/fireside-chat/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:387:"In New York last month I did a fireside chat with Liz Danzico at the School of Visual Arts which is now available online . The video features myself, Liz Danzico , and the back of Jason Santa Maria’s head .
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Sat, 26 Dec 2009 21:58:36 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:4:"Matt";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:21;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:28:"Matt: Veggies are People Too";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:21:"http://ma.tt/?p=33532";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:44:"http://ma.tt/2009/12/veggies-are-people-too/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:258:"Another Challenge for Ethical Eating – Plants Want to Live, Too in NY Times. I eat lots of beef and BBQ because I heard cows have a big carbon impact.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Sat, 26 Dec 2009 18:11:13 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:4:"Matt";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:22;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:28:"Matt: Christmas Site Updates";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:21:"http://ma.tt/?p=33530";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:44:"http://ma.tt/2009/12/christmas-site-updates/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:815:"First off, Merry Christmas everybody! I’ve been doing some tweaking here around ma.tt. The biggest thing you’ll notice is that I’ve imported about 12,000 photos from my old Gallery-powered gallery, which was broken since I upgraded to PHP5, into core WordPress, and you can see them under this category . I even managed to bring over people tags and comments from the proprietary system I had written. I feel so much safer now that all this data is in WordPress, I know it’ll still work in 10 years. I might have to change how “random” works, though, to exclude the really old photos, because they can be fairly embarrassing.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Fri, 25 Dec 2009 23:47:29 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:4:"Matt";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:23;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:67:"Weblog Tools Collection: Merry Christmas and Happy Holidays to all!";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7432";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:97:"http://weblogtoolscollection.com/archives/2009/12/25/merry-christmas-and-a-happy-new-year-to-all/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:683:"Merry Christmas and Happy Holidays! from Flickr
We would like to wish all our readers a Merry Christmas and Happy Holidays from the Weblog Tools Collection team and our advertisers.
Be safe, have fun and be sure to spread the cheer!
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Fri, 25 Dec 2009 22:03:40 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:10:"Mark Ghosh";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:24;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:23:"Dev Blog: Setting Scope";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://wordpress.org/development/?p=1096";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:55:"http://wordpress.org/development/2009/12/setting-scope/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:4721:"Merry Christmas! One of the things that was discussed at the core commit team meetup was release scope (and scope creep). Now that 2.9 is out and it’s time to start thinking about 3.0, we think it would be appropriate to stop and take a breath before diving in, and make a plan in advance. What winds up happening is that during each release cycle a few new features are selected for inclusion, but then right up until feature freeze (and/or beta cycle), people keep adding feature requests, patches for enhancements, and ongoing bug reports. This means each release winds up getting pushed out later than planned, and with so many things going in per release, it becomes harder to catch new bugs.
The as-long-as-we’re-not-in-freeze-yet model isn’t working. People wind up waiting months longer for new features they want, like Trash and Image Editing, because we’re still adding other things and then we need to test them all. If we kept the releases smaller feature-wise, we could push out the new stuff sooner (3 releases per year is the goal) and have more focused beta testing, making the releases themselves better. It’s hard, because everyone has their pet features and fixes, and if there’s a patch, why not get it in this release rather than waiting? Sometimes people complain that a patch has been waiting to be committed for weeks or months, but what no one ever seems to bring up is that sometimes patches introduce new bugs, and the more we add at once, the harder it is to keep it all well-tested on various platforms, in different hosting environments, etc. So. What’s our proposal?
We take a page from the world of project management and we make a project plan before we jump into the dev cycle. We let everyone propose features and enhancements, and we choose a limited number to include in 3.0 (in this case we need to be especially stringent, because the merge of WordPress and WordPress MU will automatically mean a lot of work) and set a realistic release date that we stick to. We create a tentative set of features for the next two releases, to be re-evaluated at the beginning of the next cycle, so that people know the community is committed to certain features, as opposed to the vague “future release” label we now use for everything not included in the current version. We fix bugs that are reproducible and affect a large number of users before focusing on edge case bugs or bugs that haven’t been well-described or reproduced. We stop diverting our attention from agreed-upon goals when a “squeaky wheel” decides we should all be focused on something else. There are always things that pop up unexpectedly, but we need to do a better job of restraining ourselves when it comes to trying to sneak things into the current release (I include myself in this, of course…as a UX person I always wish we could do everything all at once!).
As an open source project, we accomplish more when we work together than we do following individual agendas, and we need to keep our project focused on commonly-agreed-upon goals instead of following tangents whenever a community member starts to take us on one, regardless of whether it’s to follow a cool idea that everyone loves or a suggestion based on a personal agenda, and regardless of whether it’s a newbie who doesn’t know any better or a frequent contributor or committer who has a strong opinion and a loud voice (so to speak). The issue here is that it’s easy to get distracted, so we need to create a structure that will help us keep moving forward instead of getting sidetracked. We need to keep Trac clean for the current dev cycle so that it includes confirmed features and bug reports, and all new feature suggestions go into a different milestone.
We think it’s at least worth a try. When we re-start the weekly IRC dev chats in 2010, the first meeting will be to talk about the scope of 3.0. When we’ve got a general agreement about what will be included, we’ll create the appropriate Trac tickets, and punt tickets for non-3.0 feature requests/enhancements to a future release so we can stay focused. New bug reports will still come in to the current milestone. It’s going to be hard. There are at least a dozen new features that I feel like we’ve pushed back multiple times that I’d like to see in core, but for this experiment, I’m just going to keep reminding myself, “You can do that with a plugin!”
Sound off on the features you would like to see in version 3.0 .
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:59:"Weblog Tools Collection: WordPress Theme Releases for 12/24";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7430";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:87:"http://weblogtoolscollection.com/archives/2009/12/24/wordpress-theme-releases-for-1224/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:3075:"
Feature rich theme with support for thumbnails, feedburner, twitter, widgets and gravatars
Crispp is a minimal theme with clean lines that lets visitors focus on your content. A separate administrative section allows you to change the color scheme however you like. The theme is very flexible
Fluid width two-column theme with widgetized sidebar, gravatar and comment ready
Dusty City is a WordPress Theme with 5 Sidebar / Widget positions. One below the navigation, one left and right, one between them, and one at the bottom. If you combine the Theme with the Side Posts Plugin , you will have a great flexible Magazine Theme. There is also an Option Page to populate the Footer. Page in German
SantaTheme is a WordPress Theme for Christmas with one Sidebar, and one Footerbar for Ads or whatever Widget you want to place there. There is also an Option Page to populate the Footer of the Blog.
Elegant Blog is meant to be a go-to theme for a content driven site, that aims to eliminate the need for some common plugins and be good to go right out of the box. There’s 7 colour schemes available to choose from and an easy to edit css file to add custom colours. There’s also built-in support for Twitter, various social bookmarking sites, and Google Analytics.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Thu, 24 Dec 2009 17:20:22 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:7:"Perurry";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:26;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:85:"Weblog Tools Collection: WordPress 2.9.1 Beta 1 Released, Fixes Bugs in WordPress 2.9";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:115:"http://weblogtoolscollection.com/archives/2009/12/23/wordpress-2-9-1-beta-1-released-fixes-bugs-in-wordpress-2-9-2/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:115:"http://weblogtoolscollection.com/archives/2009/12/23/wordpress-2-9-1-beta-1-released-fixes-bugs-in-wordpress-2-9-2/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1028:"A few days back, Jeff had told you about WordPress 2.9.1 being around the corner . The WordPress team has worked hard to get it out of the doors and a beta version of WordPress 2.9.1 is now available for downloads. It fixes bugs with scheduled posts and pingbacks which some users had been facing, due to a bug in curl.
The new version is not immediately available for downloads through the automatic upgrade, however you can download the WordPress Beta tester plugin and go to Tools->Upgrade and perform an automatic upgrade.
Please remember that this is not the final WordPress 2.9.1 release, so you might want to wait for another day or two for a stable release, if you are not comfortable using beta versions.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Thu, 24 Dec 2009 03:36:52 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:12:"Keith Dsouza";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:27;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:62:"Weblog Tools Collection: Trend For 2010 – Paying For Plugins";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7416";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:87:"http://weblogtoolscollection.com/archives/2009/12/23/trend-for-2010-paying-for-plugins/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:3053:"While paying for plugins is nothing new, I’m predicting that by the end of 2010, there will be a large assortment of plugins for WordPress that will be available for purchase. As we wind down 2009, I’m already beginning to see the trend in action with at least 3 of my 31 installed plugins switching to a paid model. Each person is doing something a little different but the end result is the same. I have to pay to keep using it.
Now I don’t particularly have a problem with plugin authors charging for support or for services around the plugin but I’m seeing the plugin being bundled as part of the purchase. So in a way, you’re not only paying for the plugin, you’re paying for access to support. In most cases, the free plugin becomes dormant and I’m forced to either stick with what works until a version of WordPress is released which breaks the plugin or I pony up the cash to receive upgrades. Shopp, GravityForms and now Ajax Edit Comments each have their own repository server that enables customers to receive upgrades. This is all part of the deal.
I remember a post a year or so ago asking people what would they pay for that they currently did’nt have to. WordPress was one of the things people would pay for if it had a price tag. My question is slightly different. What if every plugin you use on your site requires you to pay money before you get access to upgrades, support, etc? Personally, I don’t mind paying for great work and I can part with my cash for three or five plugins but not for 31.
Not to put down the work of those making a business out of their plugin but something to keep in mind is that as it stands, plugins hosted in the WordPress.org plugin repository contain no price tags. However, some of them do have links, wording, and such to up-sell services or the pro version of the plugin. I don’t have a problem with that as long as the slimmed down version is not crippled to the point where it doesn’t make sense to use the lower end version.
If the authors of the plugins I use on my own site all decided to ditch the free version in favor of a paid model in order to help them make a living, that is their decision to make. However, one of the greatest assets of the WordPress plugin world is that there is an abundant amount of choices for most tasks. Some better than others.
My hope is that the WordPress plugin repository will continue to be free of pay-for plugins. This will insure that I will always have a place to browse an assortment of free alternatives. If the plugin repository were to ever allow commercial plugins to be listed alongside free ones, I’m thinking that the commercial choices would far outweigh the free ones. I really don’t want to go down the road I traveled with Joomla where anytime I wanted to have cool functionality added to my site, I had to pay for it.
Is this a trend you also see in 2010 or do you see something else? Any thoughts on the matter?
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Thu, 24 Dec 2009 00:10:45 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:13:"Jeff Chandler";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:28;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:29:"Matt: Everything is a Project";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:21:"http://ma.tt/?p=16182";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:45:"http://ma.tt/2009/12/everything-is-a-project/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:135:"Everything is a project, even this , by Scott Berkun.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Wed, 23 Dec 2009 23:29:10 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:4:"Matt";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:29;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:26:"bbPress: 2009-12-23 Meetup";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:25:"http://bbpress.org/?p=302";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:50:"http://bbpress.org/blog/2009/12/2009-12-23-meetup/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:14141:"What, just because it’s two days before Christmas we can’t rock the bbPress? In summary: anonymous comments from filosofo and email from photomatt (me) on deck, bug fixes to make things sing, PeteMall will be directly committing fixes, and hajii will be bug gardening.
Meetup log after the jump:
[13:01] <photomatt> <meetup>
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:32:"Dev Blog: WordPress 2.9.1 Beta 1";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://wordpress.org/development/?p=1098";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:64:"http://wordpress.org/development/2009/12/wordpress-2-9-1-beta-1/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1161:"Unfortunately, the recent 2.9 release triggered a bug in certain versions of PHP’s curl extension. With these versions of curl, scheduled posts and pingbacks are not processed correctly. To fix this problem as well as a handful of other, lesser issues, we are quickly releasing 2.9.1, the first maintenance release of the 2.9 line. Help us get 2.9.1 ready to go by testing 2.9.1 Beta 1. The easiest way to test Beta 1 is to install the WordPress Beta Tester plugin, elect to get on the point release development track, and then perform an automatic upgrade via the Tools->Upgrade menu. You can also download the Beta 1 package and install manually. Fourteen tickets have been fixed in 2.9.1 Beta 1. Since the curl problem and a couple of other problems are dependent on specific hosting configurations, any and all testing help is greatly appreciated.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Wed, 23 Dec 2009 19:58:34 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:10:"Ryan Boren";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:31;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:25:"Matt: Permanently Deleted";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:21:"http://ma.tt/?p=16180";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:41:"http://ma.tt/2009/12/permanently-deleted/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:420:"“The WordPress people, as good as they are, don’t seem to ken why this ‘convenient’ and possibly life-saving feature creates repercussions and consequences. Like the Senate, it’s all a game to them.” Permanently Deleted : Edward Champion’s Reluctant Habits . Hat tip: Joe Clark .
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Wed, 23 Dec 2009 18:02:05 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:4:"Matt";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:32;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:68:"Weblog Tools Collection: WPhone Admin Plugin Looking For Fresh Blood";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7405";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:97:"http://weblogtoolscollection.com/archives/2009/12/22/wphone-admin-plugin-looking-for-fresh-blood/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2239:"My name is Doug Stewart and I, together with Stephane Daury and Viper007Bond , entered and won the “mobile admin interface contest” Matt Mullenweg sponsored on the wp-hackers mailing list back at the end of 2007. Our plugin, WPhone :
…creates an option while logging in to replace the default admin interface with one designed for your phone (see screenshots).
It contains two versions of the mobile admin interface:
Rich: designed for the iPhone / iPod Touch and other phones supporting full Javascript and CSS featuring fancy AJAX and sliding menus
Lite: a lightweight, simple version designed for all other phone types (no Javascript or anything else required)
WPhone was readily picked up by the mobile computing WordPressers of the world and saw a great deal of use in its first months. Then Automattic announced the release of their iPhone/iPod Touch app and we figured that WPhone’s days were numbered. However, folks have continued to use it, particularly on Blackberries, Nokia N-series handsets and yes, even Windows Mobile devices. This is great, with two caveats:
WPhone doesn’t fully work with versions of WordPress newer than 2.5
Stephane, Viper and I no longer have time to bring it up to snuff
So, to put it bluntly, we need your help in bringing a compelling mobile admin experience back to all mobile users, be they Droid, Pre, Blackberry, Windows Mobile, or yes, even iPhone users that don’t want yet another app clogging up their home screens.
If you’re interested, please visit this post over on the WPhone site for further details or send an email to batsignal@wphoneplugin.org .
Many, many thanks in advance and a big thanks goes out to Mark and the rest of the WTC crew for allowing me to post my plea here.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:46:"BuddyPress: What’s Coming in BuddyPress 1.2?";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:28:"http://buddypress.org/?p=728";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:63:"http://buddypress.org/blog/news/whats-coming-in-buddypress-1-2/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2977:"Development for version 1.2 of BuddyPress is beginning to wind down and we’re looking at a feature freeze at the end of this month. I’d expect the new version to be released some time at the end of January after a period of beta testing. We’ve got a host of new features to look forward to in this new version and I’d like to give you a glimpse of a few of them.
One of the benefits of this interactive activity stream is that we can now provide the ability for other members to post direct replies to your updates. In 1.2 the activity stream includes the ability for threaded commenting.
Another major update in 1.2 is the introduction of a new default theme. We’ve worked hard to produce a theme that will help both end users and developers. The new theme offers a more usable and unified interface with far more personal customization than the previous default. The theme also greatly simplifies the HTML, CSS and Javascript that powers it, allowing for greater ease of customization. If you’re fully invested in the previous default, don’t worry, this theme is not going anywhere and has already been updated to support the new features in 1.2. The new default simply provides a fresh alternative.
If you’re itching to start trying out some of the features in the new version, you can head on over to the BuddyPress Test Drive . The test drive runs the latest development version of BuddyPress and represents the state of the newest version as it currently stands. If you’d like to start working with the development version you can always check out the latest version from our svn code repository . However, remember that until the final version is released code is subject to change.
I hope everyone has a wonderful festive season and an even better new year celebration. 2010 is going to be an exciting year for BuddyPress, I’m looking forward to sharing it with you.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Wed, 23 Dec 2009 09:09:34 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:13:"Andy Peatling";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:34;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:57:"Mark Jaquith: New in WordPress 2.9: Post Thumbnail Images";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:39:"http://markjaquith.wordpress.com/?p=389";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:87:"http://markjaquith.wordpress.com/2009/12/23/new-in-wordpress-2-9-post-thumbnail-images/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:7447:"Many WordPress themes, especially those with “magazine-like” layouts, use an image to represent each post. It might just be on the front page. It might be alone, or alongside an excerpt. Until now, there was no standardized way to do this. Many themes would require you to tediously enter a Custom Field with the value being the URL you wanted to use. Often you had to do cropping yourself. With WordPress 2.9, theme authors can easily enable Post Thumbnail selection UI and call those image using simple template tags.
First, in the theme’s functions.php, declare that your theme supports this feature. This will enable the UI in the WP Admin.
add_theme_support( 'post-thumbnails' );
That will enable Post Thumbnail UI for both Post and Page content types. If you’d only like to add it to one, you can do it like this:
add_theme_support( 'post-thumbnails', array( 'post' ) ); // Add it for posts
add_theme_support( 'post-thumbnails', array( 'page' ) ); // Add it for pages
Simply remove the one you don’t want to support.
Next, you should specify the dimensions of your post thumbnails. You have two options here: box-resizing and hard-cropping. Box resizing shrinks an image proportionally (that is, without distorting it), until it fits inside the “box” you’ve specified with your width and height parameters. For example, a 100×50 image in a 50×50 box would be resized to 50×25. The benefit here is that the entire image shows. The downside is that the image produced isn’t always the same size. Sometimes it will be width-limited, and sometimes it will be height-limited. If you’d like to limit images to a certain width, but don’t care how tall they are, you can specify your width and then specify a height of 9999 or something ridiculously large that will never be hit.
set_post_thumbnail_size( 50, 50 ); // 50 pixels wide by 50 pixels tall, box resize mode
Your second option is hard-cropping. In this mode, the image is cropped to match the target aspect ratio, and is then shrunk to fit in the specified dimensions exactly . The benefit is that you get what you ask for. If you ask for a 50×50 thumbnail, you get a 50×50 thumbnail. The downside is that your image will be cropped (either from the sides, or from the top and bottom) to fit the target aspect ratio, and that part of the image won’t show up in the thumbnail.
set_post_thumbnail_size( 50, 50, true ); // 50 pixels wide by 50 pixels tall, hard crop mode
Now, you can make use of the template functions to display these images in the theme. These functions should be used in the loop.
has_post_thumbnail() returns true/false and indicates whether the current post has a manually-chosen Post Thumbnail (in the loop):
<?php
if ( has_post_thumbnail() ) {
// the current post has a thumbnail
} else {
// the current post lacks a thumbnail
}
?>
the_post_thumbnail() outputs the Post Thumbnail, if it exists (in the loop):
<?php the_post_thumbnail(); ?>
Those are the basics. How about some advanced stuff?
What if you want to use a small 50×50 hard-cropped image for the home page, but want to use a 400 pixel-wide (unlimited height) image on the post’s permalink page? You’re in luck. You can specify additional custom sizes! Here’s the code:
functions.php
add_theme_support( 'post-thumbnails' );
set_post_thumbnail_size( 50, 50, true ); // Normal post thumbnails
add_image_size( 'single-post-thumbnail', 400, 9999 ); // Permalink thumbnail size
home.php or index.php, depending on your theme structure (in the loop):
<?php the_post_thumbnail(); ?>
single.php (in the loop):
<?php the_post_thumbnail( 'single-post-thumbnail' ); ?>
That’s it! set_post_thumbnail_size() just calls add_image_size( 'post-thumbnail' ) — the default Post Thumbnail “handle.” But as you can see, you can add additional ones by calling add_image_size( $handle, $width, $height, {$hard_crop_switch} );, and then you use that new size by passing the handle to the_post_thumbnail( $handle );
If you want your theme to support earlier versions of WordPress, you’ll have to use function_exists() to keep from calling these new functions in those versions. I’ve omitted that code to keep these examples as simple as possible. Here would be the functions.php example with the wrapper code:
if ( function_exists( 'add_theme_support' ) ) { // Added in 2.9
add_theme_support( 'post-thumbnails' );
set_post_thumbnail_size( 50, 50, true ); // Normal post thumbnails
add_image_size( 'single-post-thumbnail', 400, 9999 ); // Permalink thumbnail size
}
There is one caveat for this feature in WordPress 2.9 — it only works fully for new image uploads. We can’t yet resize images on the fly, although I’m strongly considering it for a future version. If you call the template functions on a post that has a Post Thumbnail that was uploaded prior to your theme having declared the new sizes, you won’t be able to do hard-cropping, and the box-resize will be done in the browser. As a temporary solution, Viper007Bond has a great plugin that will go back and create missing image sizes for you: Regenerate Thumbnails .
I’m looking forward to see what kinds of sites you can build with this feature!
WordPress 2.9 was released last weekend. Yesterday, I was notified that 2.9.1 is most likely around the corner due to some issues that arose because of a last-minute addition to the core of WordPress. The issues revolve around scheduled posts not firing because the cron scheduler ends up broken. The patch can be found here which is already a part of 2.9.1.
While reading the support thread , I became concerned with some of the responses that were published. For example, “How could you release an upgrade that is obviously this problem-filled? ” or “WordPress should have tested 2.9 before releasing it! “. I’m not sure how many times this has to be preached to the choir but each version of WordPress is tested before it’s release to the public. That is what the Beta releases are for as well as the Release Candidates. WordPress 2.9 went through one release candidate version and two beta releases. In fact, before RC1 hit the public, all of the tickets assigned for that version were closed. Each version was tested by anyone who volunteered. There seems to be this notion that there are thousands of WordPress developers and they should iron out every bug before releasing software to the public. While there are hundreds of WordPress developers submitting patches here and there as well as squashing bugs, not every hosting setup can be tested. This is where the end users come in.
Dion Hulse who has been a long time contributor to the WordPress project illustrates this problem quite well in a blog post entitled WordPress, A Call To Arms . I think Dion says it best in the first paragraph which illustrates the lack of testing problem quite well.
WordPress 2.9 was just released, And several users have run into a bug. Surprising? Not really. There’s one simple reason for this, While thousands of people Test each and every WordPress release, These users are not You .
While hundreds or thousands download the betas to perform testing, the real crux of the testing comes when the “Stable ” release is shipped. The stable version is installed by everyone because it’s considered to be stable only since you now have hundreds of thousands of blogs running the software which translates into more testing environments, you’re going to run into bugs the testers simply didn’t find. This gives the perception that the Stable release was not stable at all and therefor, should have never been released. But, if the software were never released, the bug would most likely would not have been found.
Please Help Out:
It’s very easy to setup a test installation of WordPress, especially since the release of Peter Westwoods plugin called Beta Tester . While testing on a local server is a good idea, most local servers are not setup to mimic the configuration of the public web server. This is why it’s actually better to test on the same setup as your public facing site than on a local server.
Now, if you happen to come across something you believe to be a bug, please refer to this article in the Codex which contains instructions on how to report it.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:60:"Weblog Tools Collection: WordPress Plugin Releases for 12/22";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7402";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:90:"http://weblogtoolscollection.com/archives/2009/12/22/wordpress-plugin-releases-for-1222-2/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2893:"New Plugins
HDLNS Today
insert one of over 1200 categorized RSS feeds, using the (latest) post date on the page to keep the rss headlined contextually relevant to the blog post
Q2W3 Inc Manager
This plugin was made to easily add html, css, javascript and PHP code to public WordPress pages.
Q2W3 Thickbox
This plugin enables thickbox pop-up window on thumbnail images. As soon as plugin is installed, all your thumbnail images will be opened in popup window.
Updated Plugins
scbFramework
A set of useful classes for WordPress plugin developers.
AVH Amazon
The AVH Amazon plugin gives you the ability to add multiple widgets which will display one or more random item(s) from your Amazon wishlist, baby registry and/or wedding registry. It also has the ability to show an item with its link, in posts and pages by use of shortcode.
WP-Table Reloaded
WP-Table Reloaded enables you to create and manage tables in your WP’s admin area. No HTML knowledge is needed. A comfortable backend allows to easily edit table data.
Twitter Fans
Twitter Fans plugin will add a widget in WordPress that you can drag and drop into your sidebar and set your username to get it work. No password required.
All in One Webmaster
This plugin allows you to easily integrate Google Webmaster Tool, Yahoo SiteExplorer and Bing Webmaster Central
WP Archive-Sitemap Generator
WP Archive-Sitemap Generator plugin generates simple Archives/Sitemap based on your blogs posts and pages. This is not another XML sitemap plugin, but rather a nice post sitemap or page sitemap generator. Now user can show total comments count after posts.
Twitter Goodies
This plugin shows your twitter profile/search tweets under Sidebar Area (Widget), Post and/or Pages. Tweets will REFRESH AUTOMATICALLY. Also it has reply option inside widget on mouse over action. Admin panel option available under Settings -> Twitter Goodies to set different color combination and twitter widget options.
Merge Tags
Adds the ability to combine two or more tags (or categories) into one.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:51:"Publisher Blog: UPS Joins WordPress.com VIP Hosting";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:42:"http://publisherblog.automattic.com/?p=730";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:77:"http://publisherblog.automattic.com/2009/12/22/ups-wordpress-com-vip-hosting/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2260:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Tue, 22 Dec 2009 13:52:52 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:16:"Raanan Bar-Cohen";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:38;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:22:"Matt: Stealth Startups";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:21:"http://ma.tt/?p=16178";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:38:"http://ma.tt/2009/12/stealth-startups/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:212:"Stealth Startups, Get Over Yourselves: Nobody Cares About Your Secrets on TechCrunch.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Tue, 22 Dec 2009 06:54:15 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:4:"Matt";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:39;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:32:"Alex King: WordPress 2.9 Upgrade";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:27:"http://alexking.org/?p=3889";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:57:"http://alexking.org/blog/2009/12/21/wordpress-2-9-upgrade";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:828:"WordPress 2.9 has been released – time to upgrade! There are some pretty nice new features in this release. I’m glad to be able to retire a few plugins now that the post thumbnail feature is built in and we’re going to wear out the comment meta feature in our custom implementations.
I’ve got a lot of sites to upgrade – I’ll have a little more on the process I use for this in a follow-up post.
If you need help with your upgrade, our team at WordPress HelpCenter is available and happy to help. Give us a call: (303) 395-1346 or email help@wphelpcenter.com.
Just in time for Christmas WordPress 2.9 is out . Here’s what has changed in the XML-RPC and AtomPub APIs since 2.8.6:
XML-RPC
Expose user registration option via wp.getOptions/wp.setOptions ( ticket #10454 )
Fix bug in wp.getComment that reported spam comments with a status of hold ( ticket #10510 )
Adjust how the XML-RPC server is activated so that the functions can be reused in other areas ( ticket #10513 )
Fix bug in setting optional number of pages arguments for wp.getPages ( ticket #10659 )
Reduced memory usage when processing requests ( ticket #10698 )
AtomPub
Fix a conflict with plugins that redefine wp_set_current_user() ( ticket #10938 )
If you are using the WordPress XML-RPC/AtomPub APIs in your software or service, or are just interested in this part of WordPress, please join the WordPress XML-RPC email list . Code changes and patches can be submitted via tickets at http://core.trac.wordpress.org/ .
Related posts:
WordPress 2.8 – XML-RPC and AtomPub Changes WordPress 2.7.1 Released – XML-RPC and AtomPub Changes WordPress 2.7 Released – XML-RPC and AtomPub Changes A happy holidays to you from WordPress.tv!
We published two videos for you this week—one an interview with Matt Mullenweg of Automattic , and the other a video introduction to the neat stuff included in the latest release of WordPress.
Josh Grenon of Inspirageek interviews Matt Mullenweg in our first video published this week. They discuss some general tips for entrepreneurs, the development process for (the now released) WordPress 2.9, some basics behind VideoPress and why it’s great, and a few other odds and ends.
This weekend also saw the release of WordPress 2.9, the latest and greatest edition of our favorite software. To herald this event, our very own Michael Pick has composed an introductory video to WordPress 2.9 , hitting the major updates and changes you’ll be playing with in the weeks to come. It’s a quick watch—check it out and feel free to embed when you talk about WordPress 2.9 on your own blog.
With the Christmas and New Year’s holidays coming up in the next two weeks, I expect new videos here on WordPress.tv will be few and far between, but we’ll still be here to check out and publish videos you direct us to using our handy contact form .
All of us here at WordPress.tv wish you a very happy holiday season and look forward to more great WordPress videos in 2010!
Three column theme perfect for churches and other non-profits.
Keeping up with the seasons, cleanRoar takes a facelift and puts on the Christmas skin. It features a functional back-end packed with options. The skins can be swapped between the Legacy cleanRoar skin and the all new Christmas skin.
The Technology WordPress theme is a three column theme. Supports banner ads and the WP-PageNavi plugin.
Navy Spiral is a notebook-inspired theme with cool blues and grays, clean lines, and subtle design cues to let your writing pop! No matter where writing inspiration takes you, you’re online notebook will always be there to share your thoughts and stories. Widget-ready, gravatar-enabled, and set to download.
Racing Red 01 is a simple WordPress Theme with one Sidebar and Widget Support. There is an Option Page to populate the Footer. Page in German
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Sun, 20 Dec 2009 15:28:00 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:7:"Perurry";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:44;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:74:"Weblog Tools Collection: WordPress 2.9 Feature Focus Batch Plug-in Updates";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:103:"http://weblogtoolscollection.com/archives/2009/12/20/wordpress-2-9-feature-focus-batch-plug-in-updates/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:103:"http://weblogtoolscollection.com/archives/2009/12/20/wordpress-2-9-feature-focus-batch-plug-in-updates/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2582:"WordPress 2.9 (Carmen) has been officially released and has quite a few new features. Some are visible and right on the page while many others are under the hood.
One of the features that I really like is the ability to bulk update my plug-ins. In previous versions of WordPress you had to update each plug-in individually by clicking on the automatic upgrade link in the WordPress plug-in, entering your FTP credentials and then waiting for the update to happen. If you had a lot of plug-ins this process could take a while to do.
To utilize the new bulk update process go to the Tools>Upgrade menu in the admin panel:
There you will find a screen that looks something like this":
Select the check boxes for all the plug-ins you want to update and then press the Upgrade Plug-in button at the bottom and you will then be taken to a dialog box your familiar with to provide your FTP credentials. Once you have plugged those in the upgrade process will happen and once it is done you will be presented with this results page:
That is it for the process. The only change I would recommend in a future update to WordPress is to place a link for this functionality on the actual plug-in admin page – maybe in the bulk action drop down menu. From what I could see this bulk update option is only available on the main upgrade page.
So what is your favorite new feature of WordPress 2.9?
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Sun, 20 Dec 2009 15:24:01 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:15:"WindowsObserver";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:45;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:68:"Peter Westwood: What should go into a WordPress maintenance release?";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:33:"http://westi.wordpress.com/?p=134";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:90:"http://westi.wordpress.com/2009/12/19/what-should-go-into-a-wordpress-maintenance-release/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:4439:"Now that WordPress 2.9 has hit the streets there are inevitably going to be a number of bugs which slipped through testing which people will identify and we need a good process for deciding which of these bugs should be included in an upcoming 2.9.1 release and which of them can wait until 3.0 to be fixed.
In the past I think we have included to many changes into the maintenance releases. This has partly been due to the lack of end-user testing which has taken place during the beta phase and partly based on a drive to fix bugs sooner rather than later. This has had the unfortunate downside of diverting the time of the core contributors, that they could have been spending on working on features for the next major release, and has meant that the release cycle has been extended to longer than we would have liked. This means that you don’t get the cool new features like Trash as soon as you would have done.
This post is an effort to summarise my thoughts on this subject and I would welcome discussion in the comments below – hopefully we can come up with a succinct set of criteria which will may it clear to everyone what the community thinks should be included in a maintenance release and what should not.
First of all I think it is important to understand the purpose of a maintenance or point release. To me these releases are about fixing critical bugs which affect a large percentage of end-users and disrupt their ability to use the software. They need to have a small number of changes so as to make them easy to test, lightweight to develop and to reduce the impact on the next major release. This also means that they will be easy to upgrade too and are less likely to break plugins / themes in the process so making the upgrade to them even easier and more worry free.
If we let the content of these release grow too large then we will never have the time to work on the new features for the next major release which will then mean that release takes longer to arrive and may end up with less features. We also need to remember that every change has the risk of introducing a new bug and this is another reason we should limit the number of changes in a maintenance release.
Now we need to identify what sort of bugs fit into the category of critical bugs. The most obvious and easiest to identify are the security bugs – fixes for these need to be available as soon as possible. Once we get beyond security bugs it can get more difficult to quantify the affect of the issue and therefore how soon a fix needs to be in the hands of the users.
The following list of criteria are my straw man proposal on this subject:
The issue is easily reproducible and testable.
The issue is severe – e.g. it makes a whole feature unusable and therefore the fix cannot wait for the next major release.
The issue is a regression from a previous major release – for example if an unintentional/incompatible change to an API or UI was made.
The issue is not just that warnings or notices appear when WP_DEBUG is enabled the area of code in question must also fail to work correctly.
What do you think?
Surprise, WordPress 2.9 “Carmen” is out and available for downloads, you can either download it from here or use the inbuilt updater to upgrade to WP 2.9.
More info available at the WordPress blog . In case you want to know about the new features, check out my earlier review of new features in WordPress 2.9 or visit the WP Codex for WP 2.9 .
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Sat, 19 Dec 2009 01:31:02 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:12:"Keith Dsouza";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:47;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:35:"Dev Blog: WordPress 2.9, oh so fine";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://wordpress.org/development/?p=1075";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:55:"http://wordpress.org/development/2009/12/wordpress-2-9/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:13804:"I want to make you mine, all the time… oh wait. Hello. I’m here on behalf of the entire WordPress development team and community to announce the immediate availability of WordPress version 2.9 “Carmen” named in honor of magical jazz vocalist Carmen McRae (whom we’ve added to our Last.fm WP release station ). You can upgrade easily from your Dashboard by going to Tools > Upgrade , or you can download from WordPress.org . And of course, it wouldn’t be a major release without a short video summarizing some of the cool things about the new version:
The coolest new stuff from a user point of view is:
Global undo/”trash” feature , which means that if you accidentally delete a post or comment you can bring it back from the grave (i.e., the Trash). This also eliminates those annoying “are you sure” messages we used to have on every delete.Built-in image editor allows you to crop, edit, rotate, flip, and scale your images to show them who’s boss. This is the first wave of our many planned media-handling improvements.Batch plugin update and compatibility checking, which means you can update 10 plugins at once, versus having to do multiple clicks for each one, and we’re using the new compatibility data from the plugins directory to give you a better idea of whether your plugins are compatible with new releases of WordPress. This should take the fear and hassle out of upgrading.Easier video embeds
2.9 provides the smoothest ride yet because of a number of improvements under the hood and more subtle improvements you’ll begin to appreciate once you’ve been around the block a few times. Here’s just a sampling:
We now have rel=canonical support for better SEO.
There is automatic database optimization support, which you can enable in your wp-config.php file by adding define('WP_ALLOW_REPAIR', true);.
Themes can register “post thumbnails” which allow them to attach an image to the post, especially useful for magazine-style themes.
A new commentmeta table that allows arbitrary key/value pairs to be attached to comments, just like posts, so you can now expand greatly what you can do in the comment framework.
Custom post types have been upgraded with better API support so you can juggle more types than just post, page, and attachment. (More of this planned for 3.0.)
You can set custom theme directories, so a plugin can register a theme to be bundled with it or you can have multiple shared theme directories on your server.
We’ve upgraded TinyMCE WYSIWYG editing and Simplepie.
Sidebars can now have descriptions so it’s more obvious what and where they do what they do.
Specify category templates not just by ID, like before, but by slug, which will make it easier for theme developers to do custom things with categories — like post types!
Registration and profiles are now extensible to allow you to collect things more easily, like a user’s Twitter account or any other fields you can imagine.
The XML-RPC API has been extended to allow changing the user registration option. We fixed some Atom API attachment issues.
Create custom galleries with the new include and exclude attributes that allow you to pull attachments from any post, not just the current one.
When you’re editing files in the theme and plugin editors it remembers your location and takes you back to that line after you save. (Thank goodness!!!)
The Press This bookmarklet has been improved and is faster than ever; give it a try for on-the-fly blogging from wherever you are on the internet.
Custom taxonomies are now included in the WXR export file and imported correctly.
Better hooks and filters for excerpts, smilies, HTTP requests, user profiles, author links, taxonomies, SSL support, tag clouds, query_posts and WP_Query
All of this and more is reflected in the over 500 tickets, bugs, and enhancements that WP developers in this release cycle .
This release included code from over 140 contributors, here’s everyone we were able to identify: aaroncampbell (Aaron Campbell) , abackstrom (Adam Backstrom) , aldenta (John Ford) , alexkingorg (Alex King) , [amilanov], antonylesuisse (Antony Lesuisse) , apeatling (Andy Peatling) , apokalyptik (Demitrious Kelly) , arena (André Renaut) , batmoo (Mohammad Jangda) , Ben Dunkle , BenBE1987 , Benjamin Flesch , bookchiq (Sarah Lewis) , brianwhite , c0nstruct , caesarsgrunt (Caesar Schinas) , CalebKniffen (Caleb Kniffen) , chrisbliss18 , chrisscott (Chris Scott) , christoph179 , coffee2code (Scott Reilly) , [cross country flight], Curioso , davecpage (Dave Page) , dcole07 (Dan Cole) , dd32 (Dion Hulse) , demetris (Δημήτρης Κίκιζας) , Denis-de-Bernardy , dj-wp , dwright , eddieringle (Eddie Ringle) , error (Michael Hampton) , ewestp , fabifott , filosofo (Austin Matzko) , greenshady (Justin Tadlock) , gsnedders/link92 (Geoffrey Sneddon) , hailin (Hailin Wu) , hakre , hanilovesme , Harald Nesland , harrym , holizz (Tom Adams) , ikonst , jacobsantos (Jacob Santos) , janeforshort (Jane Wells) , jamescollins (James Collins) , jdub (Jeff Waugh) , jeff_ (Jean-François “Jeff” VIAL) , jeremyclarke (Jeremy Clarke) , JeremyVisser (Jeremy Visser) , jikamens , jmulley , Joern_W , johanee (Johan Eenfeldt) , johnbillion (John Blackbourn) , johnjamesjacoby (John James Jacoby) , johnjosephbachir (John Joseph Bachir) , JonathanRogers , joostdevalk (Joost de Valk) , Jose Carlos Norte , josephscott (Joseph Scott) , junsuijin , kevinB (Kevin Behrens) , kometbomb , lilyfan (IKEDA Yuriko) , [lostinlafayette], madhyde , MattyRob , mdawaffe (Michael Adams) , Mittineague , miqrogroove , morfiusx , mrmist (David McFarlane) , mtdewvirus (Nick Momrik) , mysz , nacin (Andrew Nacin) , nanochrome , nao (Naoko McCracken) , nathanrice (Nathan Rice) , nbachiyski (Николай Бачийски) , niallkennedy (Niall Kennedy) , nickohrn (Nick Ohrn) , ninjaWR (Ryan Murphy) , noel (Noël Jackson) , Otto42 (Samuel Wood) , pairg , peaceablewhale (Franklin Tse) , prettyboymp (Michael Pretty) , ProDevStudio , ramiy , redsweater (Daniel Jalkut) , ruslany , sambauers (Sam Bauers) , scribu , Sewar , Simek , simonwheatley (Simon Wheatley) , sirzooro (Daniel Frużyński) , sivel (Matt Martz) , skeltoac (Andy Skelton) , snakefoot , stephanreiter (Stephan Reiter) , strider72 (Stephen Rider) , taco1991 , takayukister (Takayuki Miyoshi) , tellyworth , tenpura , usermrpapa , utkarsh , Viper007Bond , vladimir_kolesnikov (Vladimir Kolesnikov) , VoxPelli (Pelle Wessman) , [voyou1], wahgnube , waltervos , westonruter (Weston Ruter) , wnorris (Will Norris) , xenlab (Eric Marden) , yoavf (Yoav Farhi) . Wowza!
2.9 has been an exciting development cycle, and I must say it has whetted our appetite for 3.0, which is coming next (probably this spring) and will include at the very least the merge of MU with the WordPress core, and a new default theme. We can’t wait to start working on it. But first, some Carmen McRae tunes and a beer. Join us!
(After you upgrade, of course!)
I hope everyone is having a wonderful holiday season.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:31:"Dev Blog: 2010: A Theme Odyssey";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://wordpress.org/development/?p=1065";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:62:"http://wordpress.org/development/2009/12/2010-a-theme-odyssey/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2818:"After the video from the core team meetup was posted, the topic that seemed to get the most attention on Twitter and various community sites was Matt’s announcement that there would be a new default theme in 2010, so I thought I’d start with that as the first of the meetup summaries.
When Kubrick was bundled with core back in 2005, it was a cutting edge theme. Custom header, rounded corners, clean design… if you were using WordPress back then, let’s face it, you were impressed. Time moves on, though, fashions change, new styles become old standards, and what was once cutting edge suddenly seems old-fashioned and out of date.
So, a new bundled theme in 2010? We think it’s a good idea. Something nice and light that can serve as a good example theme, include newer theme-based features, and look nice (and current) on a public site. We’d like to introduce a new default theme with version 3.0, which is anticipated to come out in mid-2010 (hence the name), and think it would be good for it to blend well aesthetically with WordPress itself.
I’d been advocating moving toward Elastic , the theme framework/WYSIWYG theme editor that was one of our Google Summer of Code student projects, but after some discussion I agreed with the guys that while Elastic is awesome and should be promoted as a community development project, it’s heavier than a default theme needs to be. The default theme doesn’t need to be a full-featured framework, it just needs to work well, look awesome, have good code and be a good starting point for beginning themers. We were thinking of a fairly minimalist design that would make it easy to customize.
As for the code, there’s a question of if it will really be a new theme, or if it will be a re-styled and updated version of Kubrick. We don’t know the final answer to that yet, because the ultimate decision will be made with the community’s input, but we believe all new markup is the way to go. What do you think? Without venturing into theme framework territory, are there features you think a new default theme should have? Some people have been talking about it on Trac over the past year, if you wonder what’s been tossed around so far. I thought about posting a poll here (you know how I love posting polls to gauge opinion), but in this case I think a discussion thread might be better, so that each vote can explain the reason behind it. So, have an opinion on what a new default theme should include? Weigh in at the forums .
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:41:"Weblog Tools Collection: The GTD P2 Theme";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7384";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:70:"http://weblogtoolscollection.com/archives/2009/12/18/the-gtd-p2-theme/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:653:"Templatic.com has released a new theme based on P2 called GTD . GTD is meant for private use for collaborative teams of people. Asides from the default functionality supplied by P2, GTD has added file attachment and user notification functions.
For many, the attachment addition to P2 makes this an incredibly simple tool to collaborate on projects with.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Fri, 18 Dec 2009 16:15:07 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:13:"Jeff Chandler";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}}}}}}}}}}}}s:4:"type";i:128;s:7:"headers";a:8:{s:4:"date";s:29:"Mon, 04 Jan 2010 23:02:30 GMT";s:6:"server";s:9:"LiteSpeed";s:13:"accept-ranges";s:5:"bytes";s:10:"connection";s:5:"close";s:4:"etag";s:23:""31e17-4b42730e-5042b6"";s:13:"last-modified";s:29:"Mon, 04 Jan 2010 23:00:30 GMT";s:12:"content-type";s:15:"application/xml";s:14:"content-length";s:6:"204311";}s:5:"build";s:14:"20090627192103";}
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:25:"Dev Blog: WordPress 2.9.1";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://wordpress.org/development/?p=1140";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:57:"http://wordpress.org/development/2010/01/wordpress-2-9-1/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:680:"After over a million downloads of WordPress 2.9 and lots of feedback from all of you, we’re releasing WordPress 2.9.1. This release addresses a handful of minor issues as well as a rather annoying problem where scheduled posts and pingbacks are not processed correctly due to incompatibilities with some hosts. If any of these issues affect you, give 2.9.1 a try. Download 2.9.1 or upgrade automatically from the Tools->Upgrade menu in your blog’s admin area.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:62:"Alex King: Twitter Tools and WordPress 2.9 – Working or Not?";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:27:"http://alexking.org/?p=3933";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:82:"http://alexking.org/blog/2010/01/04/twitter-tools-and-wordpress-2-9-working-or-not";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1721:"A bunch of folks in the WordPress support forums appear to be having trouble with Twitter Tools with WordPress 2.9. It works as expected in my testing, the WordPress HelpCenter hasn’t been able to reproduce this either, and the works/broken voting on the plugin page is fairly evenly split.
I’d love to gather some explicit bug reports (this thing breaks here, this code on line X appears to fail, works with all other plugins turned off but not with plugin Y enabled as well, etc.) and/oor access (both WP admin and file editing) to an environment where this is
If you use Twitter Tools, could you take a moment to vote if it works for you with WordPress 2.9 ?
Thanks in advance.
A clean and minimalistic two column, fixed width theme
Froggy2010 is a really simple greenish WordPress Theme with one Sidebar and Widget Support. There is an Option Page to populate the Footer.
Pico is a grid-based magazine theme based on the famous Mimbo theme by Darren Hoyt, designed to work right out-of-the-box without having to install additional plugins. Features smart post thumbnail handling (supports 2.9 Canonical Post thumbnail or use first image on post), 10 widget areas (including four columns on footer), 3 page templates (Archives, List Authors and Sitemap), a custom Featured Categories widget, breadcrumb navigation and support for threaded comments.
This is a minimalistic, red-colored theme with automatic thumbnails, advertising space and a clean layout. Thumbnails are used from the default ones that WordPress generates when you upload an image with the post. The theme uses jQuery for animated menu and sidebar. Impress has been tested with Firefox, IE, Chrome and Safari without any problems.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Mon, 04 Jan 2010 20:00:29 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:7:"Perurry";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:3;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:30:"Dev Blog: Early 2010 WordCamps";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://wordpress.org/development/?p=1127";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:62:"http://wordpress.org/development/2010/01/early-2010-wordcamps/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:8300:"Rested up from the holidays? I hope so, because the new year has begun and a lot is going to be happening with WordPress in 2010, and you definitely want to be a part of it. Later this week the scope for version 3.0 (featuring the addition of MU functionality to the WordPress codebase) will be decided in the IRC developer chat*, based on feedback provided by users like you . But it’s no fun to live by IRC alone, which is why we love WordCamps. Attending a WordCamp gives you a chance to meet people in your local community who are working with WordPress, as well as core contributors, theme designers, plugin developers, Codex writers, support forum moderators and other WordPress volunteers who’ve made WordPress what it is today. Add this New Year’s Resolution to your 2010 list if it’s not on there already: Attend a WordCamp, meet at least 5 new local people, learn something new, and if you have the chance, buy a drink for someone who’s volunteered their time and expertise to the WordPress open source project. To help you keep your resolution, here is a list of the upcoming WordCamps for the next three months, followed by what I know so far about each one.
January 8–9: WordCamp Atlanta WordCamp Boston WordCamp Greece in ThessalonikiWordCamp Indonesia in JakartaWordCamp Fukuoka WordCamp Ireland in KilkennyWordCamp Toronto
NORTH AMERICA
January 8–9: WordCamp Atlanta . First WordCamp of the year, and it’s already sold out — twice! They changed to a bigger venue based on demand, from Georgia Tech to the Atlanta campus of Savannah College of Art and Design (SCAD). They’re still letting people onto the waitlist , if you’re interested. A guaranteed way to get in would be to sponsor the event, and they’re taking last-minute sponsors right now. Atlanta will have sessions on Friday evening and all day Saturday. I’ll be opening the Saturday program with WordPress Resolutions: What to Expect in 2010 . After a day of design, development and content track sessions, Lead Developer Mark Jaquith will take the closing slot for a Town Hall-style Q&A. The attendee list (follow link, scroll down) includes a number of WordPress core contributors, theme/plugin developers, and support providers as well as proof that Atlanta has a strong WordPress user base.
January 23: WordCamp Boston . I think WordCamp Boston is trying to one-up every WordCamp the organizers have been to, including the awesome NYC from November, and it looks like they might succeed. From Doc Searls and David Weinberger as keynote speakers to the multiple-track, unconference and Ignite sessions to the sweet-looking venue and the party plans, this one has got it going on. I credit it in part to the fact that they are one of the few WordCamps to follow the advice of having an organizing team of more than just 2 or 3 people, so the work is better distributed. I see a number of familiar names on the attendee list , but even more that I don’t know, so I’m looking forward to meeting the Boston WordPress community. They’re still selling tickets , so if you’re in the northeast, you should try to make it. I’ll be at this one also, talking about how the merge with MU will affect the WordPress admin (by then we should have started figuring it out!).
March 27–28: WordCamp Toronto . The last two Toronto WordCamps have been really good. I heard there would be one in March, but their site right now is just taking emails for notification. I’ve contacted the organizer to see what’s up, and he says the site will likely go live this week. They’re looking for volunteers to help organize this year’s event, so if you’re interested, it would be a great opportunity to get involved. Believe me, volunteering at a WordCamp is one of the best ways to make sure you meet a lot of other attendees.
ASIA
January 30: WordCamp Indonesia . WordCamp Indonesia will be in Jakarta again this year. I love how they worded the beginning of their sessions page. “Come in, we’ll get you breakfast and coffee, you’ll register, there’ll be networking. It’ll be great.” There will be a single track of sessions, but there are several time slots set aside for ad-hoc discussion and breakout sessions.
February 27: WordCamp Fukuoka . WordCamp Fukuoka is just getting its site up, too, so check back periodically a little later for more information. One of their visiting speakers will be Noel Jackson , developer of the Press This bookmarklet as well as themes like P2 and Monotone /Duotone .
EUROPE
January 30: WordCamp Greece . WordCamp Greece will be held in Thessaloniki, and they expect about 100-150 people to attend.The program includes regular sessions on the usual topics (how-to, programming, SEO, multi-language sites, etc) as well as “QuickRounds,” which will showcase Greek projects based on WordPress. I’m especially intrigued by the “WordPress vs. Expression Engine” session. Whenever people compare different publishing platforms, it’s interesting to see which features they highlight. I hope someone gets video from this one and posts it to the WordCamp section of WordPress.tv .
March 6–7: WordCamp Ireland . WordCamp Ireland will be in Kilkenny, and for such a geographically small country, it’s got an impressive list of speakers , including Donncha O Caoimh , lead developer of WordPress MU . The program includes three tracks: Intro, Blogger, and Developer, and I think this will be the first WordCamp I’ve heard of that is deliberately family-friendly , with on-site child care. They’re also going to have a charging station for mobile devices, which is clever. It’s not confirmed yet, but I think I’ll be at this one, too.
If you want to attend a WordCamp but don’t know of one near you, check out WordCamp.org for the official list (updated frequently). That’s also where you would start if you wanted to organize a WordCamp in your area.
*Developer chats are held Thursdays at 21:00 UTC in the #wordpress-dev channel at irc.freenode.com.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:55:"Weblog Tools Collection: Anatomy Of A WordPress Release";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7469";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:84:"http://weblogtoolscollection.com/archives/2010/01/04/anatomy-of-a-wordpress-release/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2872:"During an interesting discussion regarding suggestions on how to improve WordPress core development on the WordPress hackers mailing list , Ryan Boren who is one of the core contributors with committ access laid out the foundation as to what the team tries to accomplish with each release of WordPress. I thought it would be good to bring this into more of the open for those wondering what’s involved.
** Alpha **
* Collect feature ideas from ideas forum, support forums, most popular plugins, dev brainstorms, and other sources.
** Feature Freeze **
* Once all features are deemed complete via meeting on #wordpress-dev, we enter feature freeze. Sometimes we have features that aren’t quite ready that are noted as exceptions to the freeze. Everything else is put in feature freeze with the hope of driving to beta on everything else. Ideally, there would be no freeze exceptions.
** Beta **
* “blocker” tickets are cleared. Beta 1 is released to kick off the public beta cycle.
** RC **
* Release RC1
** Final Release **
* Release it
** Alpha **
Dion Hulse also had a good list of ideas. If you have any thoughts or ideas on how to improve core development, place them here in the comments.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Mon, 04 Jan 2010 16:27:16 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:13:"Jeff Chandler";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:5;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:21:"Matt: Menu Mind Games";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:21:"http://ma.tt/?p=33538";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:37:"http://ma.tt/2010/01/menu-mind-games/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:395:"Author William Poundstone Dissects the Marketing Tricks Built Into Balthazar’s Menu , “how something as simple as typography can drive you toward or away from that $39 steak.” I wish typography was that simple.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Sun, 03 Jan 2010 00:58:17 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:4:"Matt";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:6;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:43:"Andrew: Can themes style the visual editor?";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:34:"http://azaozz.wordpress.com/?p=130";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:74:"http://azaozz.wordpress.com/2010/01/02/can-themes-style-the-visual-editor/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:3115:"Short answer: yes. This has been available for quite some time but don’t think I’ve seen themes that do it. Things like typefaces, headings, image padding and borders, etc. can easily be set by the current theme making the visual editor… more WYSIWYG. All it takes is a stylesheet and a small function in the theme’s functions.php file:
add_filter('mce_css', 'my_editor_style');
function my_editor_style($url) {
if ( !empty($url) )
$url .= ',';
// Change the path here if using sub-directory
$url .= trailingslashit( get_stylesheet_directory_uri() ) . 'editor-style.css';
return $url;
}
where editor-style.css will be applied to TinyMCE’s iframe.
There is also an option to define CSS classes that can be inserted by the user and to add the “Styles” drop-down selector to the editor toolbar. This is probably most useful for developers when creating a custom theme for a client as these classes would stop working if the theme is changed.
I’ve put together a small package with examples of how to enable this. If you are creating WordPress themes, download it or have a look , it’s quite simple. If not, perhaps ask the author of your theme to add it to the next update.
Update: as Dion points out in the comments, this is not meant for adding the whole “style.css” to the editor. That could bring problems and most of the styling won’t apply there anyways. It works best when a separate stylesheet is made specifically for use in the editor (editor-style.css in the example). It should contain a small subset from style.css, usually the part that is applied to the actual posts.
New Plugins
Automatic WordPress Backup
Backup your entire WordPress website regularly and automatically
PeoplePond Online Identity Widget
Extend the reach and usability of your PeoplePond profile, including your verified identity, with the PeoplePond Identity Widget in the sidebar of your WordPress blog. It will display a badge to your blog readers detailing who you are and what other services they can follow you on.
Updated Plugins
Shashin
Shashin has many features for displaying your Picasa photos and videos in your WordPress posts and pages
LibXML2 Fix
Work around for some versions of libxml2 2.7.x that strip out brackets when parsing XML. This plugin fixes XML-RPC requests that are mangled because of this problem. The real fix for this (making the use of this plugin unnecessary) is to use PHP 5.2.9+ with libxml2 2.7.3+.
Custom Post Limits
Control the number of posts that appear on the front page, search results, and author, category, tag, and date archives, independent of each other, including specific archives.
Allow Multiple Accounts
Allow multiple user accounts to be created from the same email address.
Transpose Email
Keeps your email safe from spammers when you want to use mailto: links.
Where did they go from here
Show “Readers who viewed this page, also viewed” links on your page. Much like Amazon.com’s product pages.
Table of Contents Creator
Table of Contents Creator (TOCC) will generate a table of contents for your pages, posts and forum comments. New comments, pages, posts and post catagories will automatically appear as soon as they are published. A great new feature of TOCC is the ability to include automatically generated page and post summaries below each item in the table of contents.
Robots Meta
Easy way to add meta robots tags to WordPress pages
Store Locator
The Store Locator plugin for WordPress empowers web developers & web site owners to easily manage and display any set of important stores, products, or other locations on their website in an easily searchable manner. Uses Google Maps.
No Update Nag
Removes the WordPress update nag that appears at the top of all admin pages when a new version of WordPress is released.
Configure SMTP
Configure SMTP mailing in WordPress, including support for sending e-mail via SSL/TLS (such as GMail).
Front-end Editor
Makes most elements on your site editable with a simple double-click of the mouse. Version 1.6 brings editable categories and other goodies.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:58:"Weblog Tools Collection: WordPress Search Based DOS Attack";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7462";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:87:"http://weblogtoolscollection.com/archives/2010/01/01/wordpress-search-based-dos-attack/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1100:"I was notified on Twitter the other day that there was a new 0 Day denial of service exploit for WordPress. When asking on Twitter if it worked, numerous people replied that the published code did work and was taking down their sites. This raised some red flags for me so I jumped into the WordPress-Dev IRC channel to figure out what was going on.
The way this denial of service attack works is that a random search string is sent to the search form of a WordPress based website. Caching plugins do not work against this because the search string is randomized. It’s quite simple but what I’ve been told is that this is not an issue for WordPress to handle. Instead, this attack should be dealt with by the webhost on a firewall level. At one point, a ticket was created by Scribu but has since been closed as won’t fix.
So at the end of the day, the best defense you have is a competent webhost that will do their part to prevent these attacks from happening. No reason to be alarmed.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Fri, 01 Jan 2010 20:23:13 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:13:"Jeff Chandler";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:9;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:57:"Publisher Blog: RIM Selects WordPress for BlackBerry Blog";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:42:"http://publisherblog.automattic.com/?p=739";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:89:"http://publisherblog.automattic.com/2009/12/31/rim-selects-wordpress-for-blackberry-blog/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2180:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Thu, 31 Dec 2009 18:30:24 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:16:"Raanan Bar-Cohen";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:10;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:49:"Weblog Tools Collection: Best Of WLTC 2009 Part 2";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7453";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:78:"http://weblogtoolscollection.com/archives/2009/12/31/best-of-wltc-2009-part-2/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:15440:"Part two of our best of series. While were looking back, feel free to post in the comments a link to what you consider to be one of the best articles about WordPress you’ve read all year. If enough submissions are received, we may just create one more best of 2009 post featuring articles submitted by you. Please do not submit links to articles on sites you own or maintain.
July:
Official WordPress Commercial Theme Directory is live How Do You Post Content To Your Blog? Best Method To Post Content To WordPress Licensing is the vehicle, our users are the environment Tips For Troubleshooting Problems With WordPress Should I Update a Plugin if an Update is Available? WordPress for Beginners: Publish post tips and tricks What would you like in a WordPress Plugin? Developing Post Ideas for Your WordPress Site Create Private Twitter Like Site With WordPress Why Should You Add Your Plugin to WordPress Extend? Do you use the WordPress Codex? Do You Use Scheduled Posts Feature In WordPress?
August:
Fare Thee Well WordPress 2.0 Use WordPress To Highlight Your Business/Portfolio 26 Places to Find Free Multimedia for Your Blog Convert PSD Files To WordPress Themes Notifying Unconfirmed Feedburner Email Subscribers Download all the Competition Plugins! The Correct Way To Report A Security Issue With WordPress WP.me: URL Shortening Service From WordPress Why Is Gravatar Still Not Mainstream? 10 Useful WordPress Hook Hacks 21 Great Plugins for Manage Multi-Author Blogs Actions and Filters and Classes, Oh My! Display Thumbnails For Related Posts in Wordpress WordPress Stats Plug-in Review Roles And Capabilities In Plain English
September:
¿Habla HTML? Old WordPress version? Attack warning. Please upgrade! WordPress For Beginners: Understanding User Roles WordPress Cheatsheet Are You Responsible Enough To Run WordPress? The Best-Of Series: SEO Tools Excellent Guide To Make Most of Your WordPress Install Dealing With 404 Errors & Permanent Redirects In WordPress WordPress Plugin Competition 2009 Runner Ups! WordPress Plugin Competition 2009 Winner! The Best-Of Series: Contact Forms When Is A Plugin Considered A Ripoff?
October:
Inject Plugin Ideas Here -> Do You Check Your Spam Comments? Tips to Deal With Spam. Pinging Your Own Blog Posts? Good or Bad? FTC says bloggers must disclose payments and freebies Theme Authenticity Checker Gravatar Encouragement Using Conditional Statements In WordPress Are Your Plugins Compatible? Bulk Plugin Upgrades In 2.9 How Would You Leverage The WordPress Community?
November:
WordPress Warriors From Across The World WordPress for the Desktop… Would You Use It? The Best-Of Series: Download Managers Darn You WordPress!! How to Create an Author Info Section in WordPress How Do You Do That? Is Automattic Evil? How to Create Micro Blogs Within WordPress So we tried Intense Debate . . . Google To Help Notify You Of New Updates How To Disable Delete Post Functionality For Everyone Except Administrator Translators – Thank You The Geekier Side Of WordPress 2.9 Why are good plugins becoming orphans?
December:
WordPress Trademark Usage WordPress 2.9 Packs in Loads of Features: Hands-on Review Do You Use The Code Editor? How Often do You Use Functions.php in Themes? Publish The Feed Later Is WordPress Spyware? bbPress Lives Assortment Of Tips For Consultants 2.9.1 Around The Corner Trend For 2010 – Paying For Plugins Four Great Questions
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Thu, 31 Dec 2009 17:00:44 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:13:"Jeff Chandler";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:11;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:59:"Weblog Tools Collection: WordPress Theme Releases for 12/31";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7460";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:89:"http://weblogtoolscollection.com/archives/2009/12/31/wordpress-theme-releases-for-1231-2/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1453:"
Two column, widget ready theme with support for threaded comments and an options page for customizing the theme
2-3 column widget ready and adsense ready theme
The theme includes four different color schemes which you can conveniently switch to in the built-in theme options page.
Happy2010 is a simple New Year WordPress Theme with two Sidebars and Widget Support. There is an Option Page to populate the Footer. Page in German
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Thu, 31 Dec 2009 15:23:00 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:7:"Perurry";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:12;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:22:"Andrew: PodPress 8.8.2";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:34:"http://azaozz.wordpress.com/?p=125";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:54:"http://azaozz.wordpress.com/2009/12/31/podpress-8-8-2/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1569:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Thu, 31 Dec 2009 12:23:16 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:10:"Andrew Ozz";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:13;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:49:"Weblog Tools Collection: Best Of WLTC 2009 Part 1";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7450";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:78:"http://weblogtoolscollection.com/archives/2009/12/30/best-of-wltc-2009-part-1/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:14013:"Throughout the course of a year on WeblogToolsCollection.com, there is a ton of information published about WordPress whether it be a link to something cool or a home grown guide covering a specific feature of WordPress. The purpose of this two part series is to look back at the best articles published on the site but it’s also to reflect on the achievements the software has undergone during 2009. While it’s good to keep things moving along into the future, it’s healthy to look at the past every once in awhile to measure progress.
From all of us here at WLTC, we wish you a safe and happy New Year!
January:
Plugin Review: Simple:Press Forum Great Explanation Of Community PHPBB And WordPress Plugin Review: Referrer Detector Do You Post By Email? Plugin Review: WP Greet Box Plugin Review: WP125 Michael Pick Of WordPress.TV Et Tu Google? Then Fail, Net Safety
February:
Plugin Review: Autoclose Want To Buy Sandbox? Updated WP Plugin: Where did they go from here? Plugin Review: MailPress Mastering WordPress Shortcodes FeedBurner is Dead, Long Live Feedburner Plugin Review: Yawasp Plugin Authors, Are you making the best of Readme.txt? Plugin Review: Post Avatar The manual Excerpt in WordPress. What, why, how, tips and plugins
March:
Plugin Review: Improved Plugin Installation WordPress Plugin Development Beginner’s Guide WPLookup – Find Functions and Template Tags Fast How to Track RSS Subscribers in a Blog Contest Plugin Review: WP Mollom IE 8 and WordPress How to write a good plugin review New WordPress Plugin: Better Search Plugin Review: WordPress Filter Microsoft Web Platform Featured App: WordPress Top 10 Characteristics of a Great WordPress Plugin Plugin Review: cSprites for WordPress Is It Time For Kubrick To Retire?
April:
Plugin Review: Post Templates An Introduction and a Plugin Review: Admin Links Widget How to Highlight Search Terms with jQuery WordPress Download Monitor Review WordPress Add Twitter RSS Plugin Review Automattic buys Blo.gs Announcing Wordpress Plugin Competition 2009 (3.0) The Hidden Gem Of WordPress 9 Ways to Make Your WordPress Blog “Smart” BuddyPress 1.0 Has Arrived!!
May:
Smarter Theme Development Five Tools to Increase the RSS Subscribers for your WordPress Blog Plugins to Spruce Up Your WordPress Based Website I am sick of splogs Copying our Content! Need Help With That? Theme Development Checklist WP PluginsUsed: A Plugin Review What Are Your Theme Standards? Five Comment Related Plugins for WordPress Five Image Related Plugins for your WordPress Site What can WordPress do for you? Five Ad Manager Plugins for WordPress
June:
WordPress Plugin Compatibility Checker Publish Blog Posts In WordPress From Yahoo Mail Resources To Get You Kick Started With WordPress Plugin And Theme Development Checklist For New WordPress Installation Killing The WordPress Bugs and Helping Out With User Problems [WordPress Community] Should you use a Mobile WordPress Plugin? Antivirus Plugin For WordPress Security And Anti-spam Plugins For WordPress How Has WordPress Changed Your {Blogging} Life? Does It Matter If I Use 1 Plugin Or 100s Of Them? Attention All Plugin Authors Interviews: Matt Mullenweg – WordPress Co-Founder Benchmarking the WordPress Admin Panel WordPress Configuration Tricks
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Wed, 30 Dec 2009 17:00:37 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:13:"Jeff Chandler";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:14;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:48:"Peter Westwood: Giving your WordPress a check up";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:33:"http://westi.wordpress.com/?p=141";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:71:"http://westi.wordpress.com/2009/12/26/giving-your-wordpress-a-check-up/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:4142:"Every now and then someone finds something wrong with a WordPress install which, rather than be caused by a bug in WordPress itself, is caused by a server configuration error, an interaction between WordPress and something else installed on the server or is just a recommend optimisation for better site performance.
Everyone has a different set of pitfalls that they have come across and I would like to collect together all these little things into a comprehensive community developed plugin which can hopefully become one of the first “canonical ” plugins that we have talked about.
To that end I have developed a framework for this plugin, in the style of a unit test framework, to make it really easy to write tests and I am hoping that some of you will have ideas for tests and also that you will want to get involved.
For a while I have tagged tickets in the main WordPress trac where there are is possible inspiration for tests – http://bit.ly/healthchecktickets .
The following is an example of the code required to carry out one of these tests which recommends users of PHP4 upgrade to PHP5.
/**
* Check that we are running at least PHP 5
*
* @todo Provide a link to a codex article
* @link http://core.trac.wordpress.org/ticket/9751
* @author peterwestwood
*/
class HealthCheck_PHP_Version extends HealthCheckTest {
function run_test() {
$this->assertTrue( version_compare('5.0.0', PHP_VERSION, '<'),
sprintf( __( 'Your Webserver is running PHP version %s, which is no longer receiving security updates and will no longer be supported by a future version of WordPress.', 'health-check' ), PHP_VERSION ),
HEALTH_CHECK_RECOMMENDATION );
}
}
HealthCheck::register_test('HealthCheck_PHP_Version');
If you would like to get involved in the development of the plugin then you can check the source code out from the WordPress plugins subversion repository here: http://plugins.svn.wordpress.org/health-check/branches/alpha/http://plugins.trac.wordpress.org/log/health-check/branches/alpha
As the plugin is not yet ready for its first release we will be doing the development in this alpha branch and then move to trunk once we make the first release.
I am actively looking for fellow developers for this project as a community team we can make this a success.
So if you would like commit access to write some tests then drop me a note using the contact form with a bit about yourself and I will give you access.
A small update to the LibXML2 Fix WordPress plugin is now available, version 0.2.3.
The only change was the addition of 2.6.27 to the list of libxml versions that the plugin looks for. I’ve had a few reports that this version also has problems with stripping brackets.
For those that haven’t been following this problem here’s the short version of the story . Some combinations of libxml and PHP don’t play nice with each other, the result being that brackets get stripped out of XML content. This is a particular problem for XML-RPC requests in WordPress. This plugin injects a small hack into the XML-RPC data before it gets processed in an attempt to preserve the brackets.
Related posts:
WordPress & libxml2 Episode IV: A New Plugin Update On libxml2 Issues rssCloud WordPress Plugin Update – 0.4.1 Thanks to everyone who tested 2.9.1 Beta 1 . We’re following that up with Release Candidate 1. RC1 contains a few more fixes, bringing the number of fixed tickets up to 23. If you are already running Beta 1, visit Tools->Upgrade in your blog’s admin to get RC1. You can also download the RC1 package and install manually. If all goes well, 2.9.1 will be here soon.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Tue, 29 Dec 2009 23:27:23 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:10:"Ryan Boren";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:17;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:45:"Weblog Tools Collection: Four Great Questions";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7445";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:74:"http://weblogtoolscollection.com/archives/2009/12/29/four-great-questions/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1923:"
Why WordPress? What Would You Change In WordPress? What Problems Currently Face The WordPress Community? What Is The Future Of WordPress?
I had the opportunity to participate in this community survey with the question regarding the future of WordPress being my favorite. Here is what I had to say:
WordPress will continue to be used as a platform to do things that go far beyond blogging. As these projects end up in the showcase and acquire press, more people will begin to realize that WordPress is an excellent blogging tool but it’s by far the not only thing it is capable of doing. WordPress will continue to evolve as a framework or a platform that will enable these creative uses of the software. Hopefully one day, when Matt is asked what is WordPress capable of doing, his response will be, anything you can imagine.
You don’t have to concentrate on answering this question in the comments but, I am interested in what your response to that question would be.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Tue, 29 Dec 2009 21:36:54 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:13:"Jeff Chandler";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:18;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:59:"Weblog Tools Collection: WordPress Theme Releases for 12/29";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7443";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:87:"http://weblogtoolscollection.com/archives/2009/12/29/wordpress-theme-releases-for-1229/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1586:"
It is a single-column theme with bold headers and focuses on easy reading. There are no images used, it is SEO optimized, and is perfect for people that don’t want to get bogged down in all of the technicalities of other themes. There is also a widgetized footer with 3 places to put widgets in to help compensate for a lack of a sidebar.
It is minimalistic one-column theme with the widgets all arranged at the bottom. Clear was designed to make your content stand out and make everything else get out of the way.
It comes in 3 colors (green default, blue and black) , with a slideshow and a featured first page 4 posts from a category, two columns and dynamic widgets for the sidebar on the right and in the footer.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:60:"Weblog Tools Collection: WordPress Plugin Releases for 12/27";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7437";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:90:"http://weblogtoolscollection.com/archives/2009/12/27/wordpress-plugin-releases-for-1227-2/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2061:"New Plugins
HDLNS Today
Automatically insert HDLNS headlines as a widget using the post date.
Strip Ad
Add a Strip Ad above the header to your blog.
Code Comments
Automatically Escape HTML Entities of Code Fragments in Comments
Updated Plugins
Top 10
Count page views on posts and display a list of top posts by page views.
Contextual Related Posts
Display a list of contextually related posts for the current post. You can select the number of posts to display and if you want to automatically display the related posts in your content / feed.
Where did they go from here?
This plugin will show “Readers who viewed this page, also viewed” links on your page. This is similar to Amazon’s product pages which state “Readers who have bought this, also bought”
WP-Table Reloaded
This plugin enables you to create and manage tables in the admin-area of WordPress. You can then show them in your posts, on your pages or in text widgets by using a shortcode.
WatchCount.com WordPress Plugin (WCCWPPI)
The WatchCount.com WordPress Plugin (WCCWPPI) is a free plugin that allows you to display Most Popular eBay items and auctions in real-time, directly on your blog. You can also display eBay items from any particular seller.
Shout Stream
Shout Stream plugin aims to be the bridge of your wordpress and your stream (shoutcast or icecast).
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Sun, 27 Dec 2009 13:22:00 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:7:"Perurry";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:20;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:19:"Matt: Fireside Chat";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:21:"http://ma.tt/?p=33534";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:35:"http://ma.tt/2009/12/fireside-chat/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:387:"In New York last month I did a fireside chat with Liz Danzico at the School of Visual Arts which is now available online . The video features myself, Liz Danzico , and the back of Jason Santa Maria’s head .
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Sat, 26 Dec 2009 21:58:36 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:4:"Matt";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:21;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:28:"Matt: Veggies are People Too";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:21:"http://ma.tt/?p=33532";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:44:"http://ma.tt/2009/12/veggies-are-people-too/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:258:"Another Challenge for Ethical Eating – Plants Want to Live, Too in NY Times. I eat lots of beef and BBQ because I heard cows have a big carbon impact.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Sat, 26 Dec 2009 18:11:13 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:4:"Matt";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:22;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:28:"Matt: Christmas Site Updates";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:21:"http://ma.tt/?p=33530";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:44:"http://ma.tt/2009/12/christmas-site-updates/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:815:"First off, Merry Christmas everybody! I’ve been doing some tweaking here around ma.tt. The biggest thing you’ll notice is that I’ve imported about 12,000 photos from my old Gallery-powered gallery, which was broken since I upgraded to PHP5, into core WordPress, and you can see them under this category . I even managed to bring over people tags and comments from the proprietary system I had written. I feel so much safer now that all this data is in WordPress, I know it’ll still work in 10 years. I might have to change how “random” works, though, to exclude the really old photos, because they can be fairly embarrassing.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Fri, 25 Dec 2009 23:47:29 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:4:"Matt";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:23;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:67:"Weblog Tools Collection: Merry Christmas and Happy Holidays to all!";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7432";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:97:"http://weblogtoolscollection.com/archives/2009/12/25/merry-christmas-and-a-happy-new-year-to-all/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:683:"Merry Christmas and Happy Holidays! from Flickr
We would like to wish all our readers a Merry Christmas and Happy Holidays from the Weblog Tools Collection team and our advertisers.
Be safe, have fun and be sure to spread the cheer!
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Fri, 25 Dec 2009 22:03:40 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:10:"Mark Ghosh";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:24;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:23:"Dev Blog: Setting Scope";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://wordpress.org/development/?p=1096";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:55:"http://wordpress.org/development/2009/12/setting-scope/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:4721:"Merry Christmas! One of the things that was discussed at the core commit team meetup was release scope (and scope creep). Now that 2.9 is out and it’s time to start thinking about 3.0, we think it would be appropriate to stop and take a breath before diving in, and make a plan in advance. What winds up happening is that during each release cycle a few new features are selected for inclusion, but then right up until feature freeze (and/or beta cycle), people keep adding feature requests, patches for enhancements, and ongoing bug reports. This means each release winds up getting pushed out later than planned, and with so many things going in per release, it becomes harder to catch new bugs.
The as-long-as-we’re-not-in-freeze-yet model isn’t working. People wind up waiting months longer for new features they want, like Trash and Image Editing, because we’re still adding other things and then we need to test them all. If we kept the releases smaller feature-wise, we could push out the new stuff sooner (3 releases per year is the goal) and have more focused beta testing, making the releases themselves better. It’s hard, because everyone has their pet features and fixes, and if there’s a patch, why not get it in this release rather than waiting? Sometimes people complain that a patch has been waiting to be committed for weeks or months, but what no one ever seems to bring up is that sometimes patches introduce new bugs, and the more we add at once, the harder it is to keep it all well-tested on various platforms, in different hosting environments, etc. So. What’s our proposal?
We take a page from the world of project management and we make a project plan before we jump into the dev cycle. We let everyone propose features and enhancements, and we choose a limited number to include in 3.0 (in this case we need to be especially stringent, because the merge of WordPress and WordPress MU will automatically mean a lot of work) and set a realistic release date that we stick to. We create a tentative set of features for the next two releases, to be re-evaluated at the beginning of the next cycle, so that people know the community is committed to certain features, as opposed to the vague “future release” label we now use for everything not included in the current version. We fix bugs that are reproducible and affect a large number of users before focusing on edge case bugs or bugs that haven’t been well-described or reproduced. We stop diverting our attention from agreed-upon goals when a “squeaky wheel” decides we should all be focused on something else. There are always things that pop up unexpectedly, but we need to do a better job of restraining ourselves when it comes to trying to sneak things into the current release (I include myself in this, of course…as a UX person I always wish we could do everything all at once!).
As an open source project, we accomplish more when we work together than we do following individual agendas, and we need to keep our project focused on commonly-agreed-upon goals instead of following tangents whenever a community member starts to take us on one, regardless of whether it’s to follow a cool idea that everyone loves or a suggestion based on a personal agenda, and regardless of whether it’s a newbie who doesn’t know any better or a frequent contributor or committer who has a strong opinion and a loud voice (so to speak). The issue here is that it’s easy to get distracted, so we need to create a structure that will help us keep moving forward instead of getting sidetracked. We need to keep Trac clean for the current dev cycle so that it includes confirmed features and bug reports, and all new feature suggestions go into a different milestone.
We think it’s at least worth a try. When we re-start the weekly IRC dev chats in 2010, the first meeting will be to talk about the scope of 3.0. When we’ve got a general agreement about what will be included, we’ll create the appropriate Trac tickets, and punt tickets for non-3.0 feature requests/enhancements to a future release so we can stay focused. New bug reports will still come in to the current milestone. It’s going to be hard. There are at least a dozen new features that I feel like we’ve pushed back multiple times that I’d like to see in core, but for this experiment, I’m just going to keep reminding myself, “You can do that with a plugin!”
Sound off on the features you would like to see in version 3.0 .
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:59:"Weblog Tools Collection: WordPress Theme Releases for 12/24";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7430";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:87:"http://weblogtoolscollection.com/archives/2009/12/24/wordpress-theme-releases-for-1224/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:3075:"
Feature rich theme with support for thumbnails, feedburner, twitter, widgets and gravatars
Crispp is a minimal theme with clean lines that lets visitors focus on your content. A separate administrative section allows you to change the color scheme however you like. The theme is very flexible
Fluid width two-column theme with widgetized sidebar, gravatar and comment ready
Dusty City is a WordPress Theme with 5 Sidebar / Widget positions. One below the navigation, one left and right, one between them, and one at the bottom. If you combine the Theme with the Side Posts Plugin , you will have a great flexible Magazine Theme. There is also an Option Page to populate the Footer. Page in German
SantaTheme is a WordPress Theme for Christmas with one Sidebar, and one Footerbar for Ads or whatever Widget you want to place there. There is also an Option Page to populate the Footer of the Blog.
Elegant Blog is meant to be a go-to theme for a content driven site, that aims to eliminate the need for some common plugins and be good to go right out of the box. There’s 7 colour schemes available to choose from and an easy to edit css file to add custom colours. There’s also built-in support for Twitter, various social bookmarking sites, and Google Analytics.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Thu, 24 Dec 2009 17:20:22 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:7:"Perurry";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:26;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:85:"Weblog Tools Collection: WordPress 2.9.1 Beta 1 Released, Fixes Bugs in WordPress 2.9";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:115:"http://weblogtoolscollection.com/archives/2009/12/23/wordpress-2-9-1-beta-1-released-fixes-bugs-in-wordpress-2-9-2/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:115:"http://weblogtoolscollection.com/archives/2009/12/23/wordpress-2-9-1-beta-1-released-fixes-bugs-in-wordpress-2-9-2/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1028:"A few days back, Jeff had told you about WordPress 2.9.1 being around the corner . The WordPress team has worked hard to get it out of the doors and a beta version of WordPress 2.9.1 is now available for downloads. It fixes bugs with scheduled posts and pingbacks which some users had been facing, due to a bug in curl.
The new version is not immediately available for downloads through the automatic upgrade, however you can download the WordPress Beta tester plugin and go to Tools->Upgrade and perform an automatic upgrade.
Please remember that this is not the final WordPress 2.9.1 release, so you might want to wait for another day or two for a stable release, if you are not comfortable using beta versions.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Thu, 24 Dec 2009 03:36:52 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:12:"Keith Dsouza";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:27;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:62:"Weblog Tools Collection: Trend For 2010 – Paying For Plugins";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7416";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:87:"http://weblogtoolscollection.com/archives/2009/12/23/trend-for-2010-paying-for-plugins/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:3053:"While paying for plugins is nothing new, I’m predicting that by the end of 2010, there will be a large assortment of plugins for WordPress that will be available for purchase. As we wind down 2009, I’m already beginning to see the trend in action with at least 3 of my 31 installed plugins switching to a paid model. Each person is doing something a little different but the end result is the same. I have to pay to keep using it.
Now I don’t particularly have a problem with plugin authors charging for support or for services around the plugin but I’m seeing the plugin being bundled as part of the purchase. So in a way, you’re not only paying for the plugin, you’re paying for access to support. In most cases, the free plugin becomes dormant and I’m forced to either stick with what works until a version of WordPress is released which breaks the plugin or I pony up the cash to receive upgrades. Shopp, GravityForms and now Ajax Edit Comments each have their own repository server that enables customers to receive upgrades. This is all part of the deal.
I remember a post a year or so ago asking people what would they pay for that they currently did’nt have to. WordPress was one of the things people would pay for if it had a price tag. My question is slightly different. What if every plugin you use on your site requires you to pay money before you get access to upgrades, support, etc? Personally, I don’t mind paying for great work and I can part with my cash for three or five plugins but not for 31.
Not to put down the work of those making a business out of their plugin but something to keep in mind is that as it stands, plugins hosted in the WordPress.org plugin repository contain no price tags. However, some of them do have links, wording, and such to up-sell services or the pro version of the plugin. I don’t have a problem with that as long as the slimmed down version is not crippled to the point where it doesn’t make sense to use the lower end version.
If the authors of the plugins I use on my own site all decided to ditch the free version in favor of a paid model in order to help them make a living, that is their decision to make. However, one of the greatest assets of the WordPress plugin world is that there is an abundant amount of choices for most tasks. Some better than others.
My hope is that the WordPress plugin repository will continue to be free of pay-for plugins. This will insure that I will always have a place to browse an assortment of free alternatives. If the plugin repository were to ever allow commercial plugins to be listed alongside free ones, I’m thinking that the commercial choices would far outweigh the free ones. I really don’t want to go down the road I traveled with Joomla where anytime I wanted to have cool functionality added to my site, I had to pay for it.
Is this a trend you also see in 2010 or do you see something else? Any thoughts on the matter?
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Thu, 24 Dec 2009 00:10:45 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:13:"Jeff Chandler";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:28;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:29:"Matt: Everything is a Project";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:21:"http://ma.tt/?p=16182";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:45:"http://ma.tt/2009/12/everything-is-a-project/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:135:"Everything is a project, even this , by Scott Berkun.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Wed, 23 Dec 2009 23:29:10 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:4:"Matt";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:29;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:26:"bbPress: 2009-12-23 Meetup";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:25:"http://bbpress.org/?p=302";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:50:"http://bbpress.org/blog/2009/12/2009-12-23-meetup/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:14141:"What, just because it’s two days before Christmas we can’t rock the bbPress? In summary: anonymous comments from filosofo and email from photomatt (me) on deck, bug fixes to make things sing, PeteMall will be directly committing fixes, and hajii will be bug gardening.
Meetup log after the jump:
[13:01] <photomatt> <meetup>
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:32:"Dev Blog: WordPress 2.9.1 Beta 1";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://wordpress.org/development/?p=1098";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:64:"http://wordpress.org/development/2009/12/wordpress-2-9-1-beta-1/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:1161:"Unfortunately, the recent 2.9 release triggered a bug in certain versions of PHP’s curl extension. With these versions of curl, scheduled posts and pingbacks are not processed correctly. To fix this problem as well as a handful of other, lesser issues, we are quickly releasing 2.9.1, the first maintenance release of the 2.9 line. Help us get 2.9.1 ready to go by testing 2.9.1 Beta 1. The easiest way to test Beta 1 is to install the WordPress Beta Tester plugin, elect to get on the point release development track, and then perform an automatic upgrade via the Tools->Upgrade menu. You can also download the Beta 1 package and install manually. Fourteen tickets have been fixed in 2.9.1 Beta 1. Since the curl problem and a couple of other problems are dependent on specific hosting configurations, any and all testing help is greatly appreciated.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Wed, 23 Dec 2009 19:58:34 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:10:"Ryan Boren";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:31;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:25:"Matt: Permanently Deleted";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:21:"http://ma.tt/?p=16180";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:41:"http://ma.tt/2009/12/permanently-deleted/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:420:"“The WordPress people, as good as they are, don’t seem to ken why this ‘convenient’ and possibly life-saving feature creates repercussions and consequences. Like the Senate, it’s all a game to them.” Permanently Deleted : Edward Champion’s Reluctant Habits . Hat tip: Joe Clark .
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Wed, 23 Dec 2009 18:02:05 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:4:"Matt";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:32;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:68:"Weblog Tools Collection: WPhone Admin Plugin Looking For Fresh Blood";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7405";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:97:"http://weblogtoolscollection.com/archives/2009/12/22/wphone-admin-plugin-looking-for-fresh-blood/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2239:"My name is Doug Stewart and I, together with Stephane Daury and Viper007Bond , entered and won the “mobile admin interface contest” Matt Mullenweg sponsored on the wp-hackers mailing list back at the end of 2007. Our plugin, WPhone :
…creates an option while logging in to replace the default admin interface with one designed for your phone (see screenshots).
It contains two versions of the mobile admin interface:
Rich: designed for the iPhone / iPod Touch and other phones supporting full Javascript and CSS featuring fancy AJAX and sliding menus
Lite: a lightweight, simple version designed for all other phone types (no Javascript or anything else required)
WPhone was readily picked up by the mobile computing WordPressers of the world and saw a great deal of use in its first months. Then Automattic announced the release of their iPhone/iPod Touch app and we figured that WPhone’s days were numbered. However, folks have continued to use it, particularly on Blackberries, Nokia N-series handsets and yes, even Windows Mobile devices. This is great, with two caveats:
WPhone doesn’t fully work with versions of WordPress newer than 2.5
Stephane, Viper and I no longer have time to bring it up to snuff
So, to put it bluntly, we need your help in bringing a compelling mobile admin experience back to all mobile users, be they Droid, Pre, Blackberry, Windows Mobile, or yes, even iPhone users that don’t want yet another app clogging up their home screens.
If you’re interested, please visit this post over on the WPhone site for further details or send an email to batsignal@wphoneplugin.org .
Many, many thanks in advance and a big thanks goes out to Mark and the rest of the WTC crew for allowing me to post my plea here.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:46:"BuddyPress: What’s Coming in BuddyPress 1.2?";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:28:"http://buddypress.org/?p=728";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:63:"http://buddypress.org/blog/news/whats-coming-in-buddypress-1-2/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2977:"Development for version 1.2 of BuddyPress is beginning to wind down and we’re looking at a feature freeze at the end of this month. I’d expect the new version to be released some time at the end of January after a period of beta testing. We’ve got a host of new features to look forward to in this new version and I’d like to give you a glimpse of a few of them.
One of the benefits of this interactive activity stream is that we can now provide the ability for other members to post direct replies to your updates. In 1.2 the activity stream includes the ability for threaded commenting.
Another major update in 1.2 is the introduction of a new default theme. We’ve worked hard to produce a theme that will help both end users and developers. The new theme offers a more usable and unified interface with far more personal customization than the previous default. The theme also greatly simplifies the HTML, CSS and Javascript that powers it, allowing for greater ease of customization. If you’re fully invested in the previous default, don’t worry, this theme is not going anywhere and has already been updated to support the new features in 1.2. The new default simply provides a fresh alternative.
If you’re itching to start trying out some of the features in the new version, you can head on over to the BuddyPress Test Drive . The test drive runs the latest development version of BuddyPress and represents the state of the newest version as it currently stands. If you’d like to start working with the development version you can always check out the latest version from our svn code repository . However, remember that until the final version is released code is subject to change.
I hope everyone has a wonderful festive season and an even better new year celebration. 2010 is going to be an exciting year for BuddyPress, I’m looking forward to sharing it with you.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Wed, 23 Dec 2009 09:09:34 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:13:"Andy Peatling";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:34;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:57:"Mark Jaquith: New in WordPress 2.9: Post Thumbnail Images";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:39:"http://markjaquith.wordpress.com/?p=389";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:87:"http://markjaquith.wordpress.com/2009/12/23/new-in-wordpress-2-9-post-thumbnail-images/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:7447:"Many WordPress themes, especially those with “magazine-like” layouts, use an image to represent each post. It might just be on the front page. It might be alone, or alongside an excerpt. Until now, there was no standardized way to do this. Many themes would require you to tediously enter a Custom Field with the value being the URL you wanted to use. Often you had to do cropping yourself. With WordPress 2.9, theme authors can easily enable Post Thumbnail selection UI and call those image using simple template tags.
First, in the theme’s functions.php, declare that your theme supports this feature. This will enable the UI in the WP Admin.
add_theme_support( 'post-thumbnails' );
That will enable Post Thumbnail UI for both Post and Page content types. If you’d only like to add it to one, you can do it like this:
add_theme_support( 'post-thumbnails', array( 'post' ) ); // Add it for posts
add_theme_support( 'post-thumbnails', array( 'page' ) ); // Add it for pages
Simply remove the one you don’t want to support.
Next, you should specify the dimensions of your post thumbnails. You have two options here: box-resizing and hard-cropping. Box resizing shrinks an image proportionally (that is, without distorting it), until it fits inside the “box” you’ve specified with your width and height parameters. For example, a 100×50 image in a 50×50 box would be resized to 50×25. The benefit here is that the entire image shows. The downside is that the image produced isn’t always the same size. Sometimes it will be width-limited, and sometimes it will be height-limited. If you’d like to limit images to a certain width, but don’t care how tall they are, you can specify your width and then specify a height of 9999 or something ridiculously large that will never be hit.
set_post_thumbnail_size( 50, 50 ); // 50 pixels wide by 50 pixels tall, box resize mode
Your second option is hard-cropping. In this mode, the image is cropped to match the target aspect ratio, and is then shrunk to fit in the specified dimensions exactly . The benefit is that you get what you ask for. If you ask for a 50×50 thumbnail, you get a 50×50 thumbnail. The downside is that your image will be cropped (either from the sides, or from the top and bottom) to fit the target aspect ratio, and that part of the image won’t show up in the thumbnail.
set_post_thumbnail_size( 50, 50, true ); // 50 pixels wide by 50 pixels tall, hard crop mode
Now, you can make use of the template functions to display these images in the theme. These functions should be used in the loop.
has_post_thumbnail() returns true/false and indicates whether the current post has a manually-chosen Post Thumbnail (in the loop):
<?php
if ( has_post_thumbnail() ) {
// the current post has a thumbnail
} else {
// the current post lacks a thumbnail
}
?>
the_post_thumbnail() outputs the Post Thumbnail, if it exists (in the loop):
<?php the_post_thumbnail(); ?>
Those are the basics. How about some advanced stuff?
What if you want to use a small 50×50 hard-cropped image for the home page, but want to use a 400 pixel-wide (unlimited height) image on the post’s permalink page? You’re in luck. You can specify additional custom sizes! Here’s the code:
functions.php
add_theme_support( 'post-thumbnails' );
set_post_thumbnail_size( 50, 50, true ); // Normal post thumbnails
add_image_size( 'single-post-thumbnail', 400, 9999 ); // Permalink thumbnail size
home.php or index.php, depending on your theme structure (in the loop):
<?php the_post_thumbnail(); ?>
single.php (in the loop):
<?php the_post_thumbnail( 'single-post-thumbnail' ); ?>
That’s it! set_post_thumbnail_size() just calls add_image_size( 'post-thumbnail' ) — the default Post Thumbnail “handle.” But as you can see, you can add additional ones by calling add_image_size( $handle, $width, $height, {$hard_crop_switch} );, and then you use that new size by passing the handle to the_post_thumbnail( $handle );
If you want your theme to support earlier versions of WordPress, you’ll have to use function_exists() to keep from calling these new functions in those versions. I’ve omitted that code to keep these examples as simple as possible. Here would be the functions.php example with the wrapper code:
if ( function_exists( 'add_theme_support' ) ) { // Added in 2.9
add_theme_support( 'post-thumbnails' );
set_post_thumbnail_size( 50, 50, true ); // Normal post thumbnails
add_image_size( 'single-post-thumbnail', 400, 9999 ); // Permalink thumbnail size
}
There is one caveat for this feature in WordPress 2.9 — it only works fully for new image uploads. We can’t yet resize images on the fly, although I’m strongly considering it for a future version. If you call the template functions on a post that has a Post Thumbnail that was uploaded prior to your theme having declared the new sizes, you won’t be able to do hard-cropping, and the box-resize will be done in the browser. As a temporary solution, Viper007Bond has a great plugin that will go back and create missing image sizes for you: Regenerate Thumbnails .
I’m looking forward to see what kinds of sites you can build with this feature!
WordPress 2.9 was released last weekend. Yesterday, I was notified that 2.9.1 is most likely around the corner due to some issues that arose because of a last-minute addition to the core of WordPress. The issues revolve around scheduled posts not firing because the cron scheduler ends up broken. The patch can be found here which is already a part of 2.9.1.
While reading the support thread , I became concerned with some of the responses that were published. For example, “How could you release an upgrade that is obviously this problem-filled? ” or “WordPress should have tested 2.9 before releasing it! “. I’m not sure how many times this has to be preached to the choir but each version of WordPress is tested before it’s release to the public. That is what the Beta releases are for as well as the Release Candidates. WordPress 2.9 went through one release candidate version and two beta releases. In fact, before RC1 hit the public, all of the tickets assigned for that version were closed. Each version was tested by anyone who volunteered. There seems to be this notion that there are thousands of WordPress developers and they should iron out every bug before releasing software to the public. While there are hundreds of WordPress developers submitting patches here and there as well as squashing bugs, not every hosting setup can be tested. This is where the end users come in.
Dion Hulse who has been a long time contributor to the WordPress project illustrates this problem quite well in a blog post entitled WordPress, A Call To Arms . I think Dion says it best in the first paragraph which illustrates the lack of testing problem quite well.
WordPress 2.9 was just released, And several users have run into a bug. Surprising? Not really. There’s one simple reason for this, While thousands of people Test each and every WordPress release, These users are not You .
While hundreds or thousands download the betas to perform testing, the real crux of the testing comes when the “Stable ” release is shipped. The stable version is installed by everyone because it’s considered to be stable only since you now have hundreds of thousands of blogs running the software which translates into more testing environments, you’re going to run into bugs the testers simply didn’t find. This gives the perception that the Stable release was not stable at all and therefor, should have never been released. But, if the software were never released, the bug would most likely would not have been found.
Please Help Out:
It’s very easy to setup a test installation of WordPress, especially since the release of Peter Westwoods plugin called Beta Tester . While testing on a local server is a good idea, most local servers are not setup to mimic the configuration of the public web server. This is why it’s actually better to test on the same setup as your public facing site than on a local server.
Now, if you happen to come across something you believe to be a bug, please refer to this article in the Codex which contains instructions on how to report it.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:60:"Weblog Tools Collection: WordPress Plugin Releases for 12/22";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7402";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:90:"http://weblogtoolscollection.com/archives/2009/12/22/wordpress-plugin-releases-for-1222-2/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2893:"New Plugins
HDLNS Today
insert one of over 1200 categorized RSS feeds, using the (latest) post date on the page to keep the rss headlined contextually relevant to the blog post
Q2W3 Inc Manager
This plugin was made to easily add html, css, javascript and PHP code to public WordPress pages.
Q2W3 Thickbox
This plugin enables thickbox pop-up window on thumbnail images. As soon as plugin is installed, all your thumbnail images will be opened in popup window.
Updated Plugins
scbFramework
A set of useful classes for WordPress plugin developers.
AVH Amazon
The AVH Amazon plugin gives you the ability to add multiple widgets which will display one or more random item(s) from your Amazon wishlist, baby registry and/or wedding registry. It also has the ability to show an item with its link, in posts and pages by use of shortcode.
WP-Table Reloaded
WP-Table Reloaded enables you to create and manage tables in your WP’s admin area. No HTML knowledge is needed. A comfortable backend allows to easily edit table data.
Twitter Fans
Twitter Fans plugin will add a widget in WordPress that you can drag and drop into your sidebar and set your username to get it work. No password required.
All in One Webmaster
This plugin allows you to easily integrate Google Webmaster Tool, Yahoo SiteExplorer and Bing Webmaster Central
WP Archive-Sitemap Generator
WP Archive-Sitemap Generator plugin generates simple Archives/Sitemap based on your blogs posts and pages. This is not another XML sitemap plugin, but rather a nice post sitemap or page sitemap generator. Now user can show total comments count after posts.
Twitter Goodies
This plugin shows your twitter profile/search tweets under Sidebar Area (Widget), Post and/or Pages. Tweets will REFRESH AUTOMATICALLY. Also it has reply option inside widget on mouse over action. Admin panel option available under Settings -> Twitter Goodies to set different color combination and twitter widget options.
Merge Tags
Adds the ability to combine two or more tags (or categories) into one.
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";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:51:"Publisher Blog: UPS Joins WordPress.com VIP Hosting";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:42:"http://publisherblog.automattic.com/?p=730";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:77:"http://publisherblog.automattic.com/2009/12/22/ups-wordpress-com-vip-hosting/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2260:"";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Tue, 22 Dec 2009 13:52:52 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:16:"Raanan Bar-Cohen";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:38;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:22:"Matt: Stealth Startups";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:21:"http://ma.tt/?p=16178";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:38:"http://ma.tt/2009/12/stealth-startups/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:212:"Stealth Startups, Get Over Yourselves: Nobody Cares About Your Secrets on TechCrunch.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Tue, 22 Dec 2009 06:54:15 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:4:"Matt";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:39;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:32:"Alex King: WordPress 2.9 Upgrade";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:27:"http://alexking.org/?p=3889";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:57:"http://alexking.org/blog/2009/12/21/wordpress-2-9-upgrade";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:828:"WordPress 2.9 has been released – time to upgrade! There are some pretty nice new features in this release. I’m glad to be able to retire a few plugins now that the post thumbnail feature is built in and we’re going to wear out the comment meta feature in our custom implementations.
I’ve got a lot of sites to upgrade – I’ll have a little more on the process I use for this in a follow-up post.
If you need help with your upgrade, our team at WordPress HelpCenter is available and happy to help. Give us a call: (303) 395-1346 or email help@wphelpcenter.com.
Just in time for Christmas WordPress 2.9 is out . Here’s what has changed in the XML-RPC and AtomPub APIs since 2.8.6:
XML-RPC
Expose user registration option via wp.getOptions/wp.setOptions ( ticket #10454 )
Fix bug in wp.getComment that reported spam comments with a status of hold ( ticket #10510 )
Adjust how the XML-RPC server is activated so that the functions can be reused in other areas ( ticket #10513 )
Fix bug in setting optional number of pages arguments for wp.getPages ( ticket #10659 )
Reduced memory usage when processing requests ( ticket #10698 )
AtomPub
Fix a conflict with plugins that redefine wp_set_current_user() ( ticket #10938 )
If you are using the WordPress XML-RPC/AtomPub APIs in your software or service, or are just interested in this part of WordPress, please join the WordPress XML-RPC email list . Code changes and patches can be submitted via tickets at http://core.trac.wordpress.org/ .
Related posts:
WordPress 2.8 – XML-RPC and AtomPub Changes WordPress 2.7.1 Released – XML-RPC and AtomPub Changes WordPress 2.7 Released – XML-RPC and AtomPub Changes A happy holidays to you from WordPress.tv!
We published two videos for you this week—one an interview with Matt Mullenweg of Automattic , and the other a video introduction to the neat stuff included in the latest release of WordPress.
Josh Grenon of Inspirageek interviews Matt Mullenweg in our first video published this week. They discuss some general tips for entrepreneurs, the development process for (the now released) WordPress 2.9, some basics behind VideoPress and why it’s great, and a few other odds and ends.
This weekend also saw the release of WordPress 2.9, the latest and greatest edition of our favorite software. To herald this event, our very own Michael Pick has composed an introductory video to WordPress 2.9 , hitting the major updates and changes you’ll be playing with in the weeks to come. It’s a quick watch—check it out and feel free to embed when you talk about WordPress 2.9 on your own blog.
With the Christmas and New Year’s holidays coming up in the next two weeks, I expect new videos here on WordPress.tv will be few and far between, but we’ll still be here to check out and publish videos you direct us to using our handy contact form .
All of us here at WordPress.tv wish you a very happy holiday season and look forward to more great WordPress videos in 2010!
Three column theme perfect for churches and other non-profits.
Keeping up with the seasons, cleanRoar takes a facelift and puts on the Christmas skin. It features a functional back-end packed with options. The skins can be swapped between the Legacy cleanRoar skin and the all new Christmas skin.
The Technology WordPress theme is a three column theme. Supports banner ads and the WP-PageNavi plugin.
Navy Spiral is a notebook-inspired theme with cool blues and grays, clean lines, and subtle design cues to let your writing pop! No matter where writing inspiration takes you, you’re online notebook will always be there to share your thoughts and stories. Widget-ready, gravatar-enabled, and set to download.
Racing Red 01 is a simple WordPress Theme with one Sidebar and Widget Support. There is an Option Page to populate the Footer. Page in German
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Sun, 20 Dec 2009 15:28:00 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:7:"Perurry";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:44;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:74:"Weblog Tools Collection: WordPress 2.9 Feature Focus Batch Plug-in Updates";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:103:"http://weblogtoolscollection.com/archives/2009/12/20/wordpress-2-9-feature-focus-batch-plug-in-updates/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:103:"http://weblogtoolscollection.com/archives/2009/12/20/wordpress-2-9-feature-focus-batch-plug-in-updates/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2582:"WordPress 2.9 (Carmen) has been officially released and has quite a few new features. Some are visible and right on the page while many others are under the hood.
One of the features that I really like is the ability to bulk update my plug-ins. In previous versions of WordPress you had to update each plug-in individually by clicking on the automatic upgrade link in the WordPress plug-in, entering your FTP credentials and then waiting for the update to happen. If you had a lot of plug-ins this process could take a while to do.
To utilize the new bulk update process go to the Tools>Upgrade menu in the admin panel:
There you will find a screen that looks something like this":
Select the check boxes for all the plug-ins you want to update and then press the Upgrade Plug-in button at the bottom and you will then be taken to a dialog box your familiar with to provide your FTP credentials. Once you have plugged those in the upgrade process will happen and once it is done you will be presented with this results page:
That is it for the process. The only change I would recommend in a future update to WordPress is to place a link for this functionality on the actual plug-in admin page – maybe in the bulk action drop down menu. From what I could see this bulk update option is only available on the main upgrade page.
So what is your favorite new feature of WordPress 2.9?
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Sun, 20 Dec 2009 15:24:01 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:15:"WindowsObserver";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:45;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:68:"Peter Westwood: What should go into a WordPress maintenance release?";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:33:"http://westi.wordpress.com/?p=134";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:90:"http://westi.wordpress.com/2009/12/19/what-should-go-into-a-wordpress-maintenance-release/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:4439:"Now that WordPress 2.9 has hit the streets there are inevitably going to be a number of bugs which slipped through testing which people will identify and we need a good process for deciding which of these bugs should be included in an upcoming 2.9.1 release and which of them can wait until 3.0 to be fixed.
In the past I think we have included to many changes into the maintenance releases. This has partly been due to the lack of end-user testing which has taken place during the beta phase and partly based on a drive to fix bugs sooner rather than later. This has had the unfortunate downside of diverting the time of the core contributors, that they could have been spending on working on features for the next major release, and has meant that the release cycle has been extended to longer than we would have liked. This means that you don’t get the cool new features like Trash as soon as you would have done.
This post is an effort to summarise my thoughts on this subject and I would welcome discussion in the comments below – hopefully we can come up with a succinct set of criteria which will may it clear to everyone what the community thinks should be included in a maintenance release and what should not.
First of all I think it is important to understand the purpose of a maintenance or point release. To me these releases are about fixing critical bugs which affect a large percentage of end-users and disrupt their ability to use the software. They need to have a small number of changes so as to make them easy to test, lightweight to develop and to reduce the impact on the next major release. This also means that they will be easy to upgrade too and are less likely to break plugins / themes in the process so making the upgrade to them even easier and more worry free.
If we let the content of these release grow too large then we will never have the time to work on the new features for the next major release which will then mean that release takes longer to arrive and may end up with less features. We also need to remember that every change has the risk of introducing a new bug and this is another reason we should limit the number of changes in a maintenance release.
Now we need to identify what sort of bugs fit into the category of critical bugs. The most obvious and easiest to identify are the security bugs – fixes for these need to be available as soon as possible. Once we get beyond security bugs it can get more difficult to quantify the affect of the issue and therefore how soon a fix needs to be in the hands of the users.
The following list of criteria are my straw man proposal on this subject:
The issue is easily reproducible and testable.
The issue is severe – e.g. it makes a whole feature unusable and therefore the fix cannot wait for the next major release.
The issue is a regression from a previous major release – for example if an unintentional/incompatible change to an API or UI was made.
The issue is not just that warnings or notices appear when WP_DEBUG is enabled the area of code in question must also fail to work correctly.
What do you think?
Surprise, WordPress 2.9 “Carmen” is out and available for downloads, you can either download it from here or use the inbuilt updater to upgrade to WP 2.9.
More info available at the WordPress blog . In case you want to know about the new features, check out my earlier review of new features in WordPress 2.9 or visit the WP Codex for WP 2.9 .
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Sat, 19 Dec 2009 01:31:02 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:12:"Keith Dsouza";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:47;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:35:"Dev Blog: WordPress 2.9, oh so fine";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://wordpress.org/development/?p=1075";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:55:"http://wordpress.org/development/2009/12/wordpress-2-9/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:13804:"I want to make you mine, all the time… oh wait. Hello. I’m here on behalf of the entire WordPress development team and community to announce the immediate availability of WordPress version 2.9 “Carmen” named in honor of magical jazz vocalist Carmen McRae (whom we’ve added to our Last.fm WP release station ). You can upgrade easily from your Dashboard by going to Tools > Upgrade , or you can download from WordPress.org . And of course, it wouldn’t be a major release without a short video summarizing some of the cool things about the new version:
The coolest new stuff from a user point of view is:
Global undo/”trash” feature , which means that if you accidentally delete a post or comment you can bring it back from the grave (i.e., the Trash). This also eliminates those annoying “are you sure” messages we used to have on every delete.Built-in image editor allows you to crop, edit, rotate, flip, and scale your images to show them who’s boss. This is the first wave of our many planned media-handling improvements.Batch plugin update and compatibility checking, which means you can update 10 plugins at once, versus having to do multiple clicks for each one, and we’re using the new compatibility data from the plugins directory to give you a better idea of whether your plugins are compatible with new releases of WordPress. This should take the fear and hassle out of upgrading.Easier video embeds
2.9 provides the smoothest ride yet because of a number of improvements under the hood and more subtle improvements you’ll begin to appreciate once you’ve been around the block a few times. Here’s just a sampling:
We now have rel=canonical support for better SEO.
There is automatic database optimization support, which you can enable in your wp-config.php file by adding define('WP_ALLOW_REPAIR', true);.
Themes can register “post thumbnails” which allow them to attach an image to the post, especially useful for magazine-style themes.
A new commentmeta table that allows arbitrary key/value pairs to be attached to comments, just like posts, so you can now expand greatly what you can do in the comment framework.
Custom post types have been upgraded with better API support so you can juggle more types than just post, page, and attachment. (More of this planned for 3.0.)
You can set custom theme directories, so a plugin can register a theme to be bundled with it or you can have multiple shared theme directories on your server.
We’ve upgraded TinyMCE WYSIWYG editing and Simplepie.
Sidebars can now have descriptions so it’s more obvious what and where they do what they do.
Specify category templates not just by ID, like before, but by slug, which will make it easier for theme developers to do custom things with categories — like post types!
Registration and profiles are now extensible to allow you to collect things more easily, like a user’s Twitter account or any other fields you can imagine.
The XML-RPC API has been extended to allow changing the user registration option. We fixed some Atom API attachment issues.
Create custom galleries with the new include and exclude attributes that allow you to pull attachments from any post, not just the current one.
When you’re editing files in the theme and plugin editors it remembers your location and takes you back to that line after you save. (Thank goodness!!!)
The Press This bookmarklet has been improved and is faster than ever; give it a try for on-the-fly blogging from wherever you are on the internet.
Custom taxonomies are now included in the WXR export file and imported correctly.
Better hooks and filters for excerpts, smilies, HTTP requests, user profiles, author links, taxonomies, SSL support, tag clouds, query_posts and WP_Query
All of this and more is reflected in the over 500 tickets, bugs, and enhancements that WP developers in this release cycle .
This release included code from over 140 contributors, here’s everyone we were able to identify: aaroncampbell (Aaron Campbell) , abackstrom (Adam Backstrom) , aldenta (John Ford) , alexkingorg (Alex King) , [amilanov], antonylesuisse (Antony Lesuisse) , apeatling (Andy Peatling) , apokalyptik (Demitrious Kelly) , arena (André Renaut) , batmoo (Mohammad Jangda) , Ben Dunkle , BenBE1987 , Benjamin Flesch , bookchiq (Sarah Lewis) , brianwhite , c0nstruct , caesarsgrunt (Caesar Schinas) , CalebKniffen (Caleb Kniffen) , chrisbliss18 , chrisscott (Chris Scott) , christoph179 , coffee2code (Scott Reilly) , [cross country flight], Curioso , davecpage (Dave Page) , dcole07 (Dan Cole) , dd32 (Dion Hulse) , demetris (Δημήτρης Κίκιζας) , Denis-de-Bernardy , dj-wp , dwright , eddieringle (Eddie Ringle) , error (Michael Hampton) , ewestp , fabifott , filosofo (Austin Matzko) , greenshady (Justin Tadlock) , gsnedders/link92 (Geoffrey Sneddon) , hailin (Hailin Wu) , hakre , hanilovesme , Harald Nesland , harrym , holizz (Tom Adams) , ikonst , jacobsantos (Jacob Santos) , janeforshort (Jane Wells) , jamescollins (James Collins) , jdub (Jeff Waugh) , jeff_ (Jean-François “Jeff” VIAL) , jeremyclarke (Jeremy Clarke) , JeremyVisser (Jeremy Visser) , jikamens , jmulley , Joern_W , johanee (Johan Eenfeldt) , johnbillion (John Blackbourn) , johnjamesjacoby (John James Jacoby) , johnjosephbachir (John Joseph Bachir) , JonathanRogers , joostdevalk (Joost de Valk) , Jose Carlos Norte , josephscott (Joseph Scott) , junsuijin , kevinB (Kevin Behrens) , kometbomb , lilyfan (IKEDA Yuriko) , [lostinlafayette], madhyde , MattyRob , mdawaffe (Michael Adams) , Mittineague , miqrogroove , morfiusx , mrmist (David McFarlane) , mtdewvirus (Nick Momrik) , mysz , nacin (Andrew Nacin) , nanochrome , nao (Naoko McCracken) , nathanrice (Nathan Rice) , nbachiyski (Николай Бачийски) , niallkennedy (Niall Kennedy) , nickohrn (Nick Ohrn) , ninjaWR (Ryan Murphy) , noel (Noël Jackson) , Otto42 (Samuel Wood) , pairg , peaceablewhale (Franklin Tse) , prettyboymp (Michael Pretty) , ProDevStudio , ramiy , redsweater (Daniel Jalkut) , ruslany , sambauers (Sam Bauers) , scribu , Sewar , Simek , simonwheatley (Simon Wheatley) , sirzooro (Daniel Frużyński) , sivel (Matt Martz) , skeltoac (Andy Skelton) , snakefoot , stephanreiter (Stephan Reiter) , strider72 (Stephen Rider) , taco1991 , takayukister (Takayuki Miyoshi) , tellyworth , tenpura , usermrpapa , utkarsh , Viper007Bond , vladimir_kolesnikov (Vladimir Kolesnikov) , VoxPelli (Pelle Wessman) , [voyou1], wahgnube , waltervos , westonruter (Weston Ruter) , wnorris (Will Norris) , xenlab (Eric Marden) , yoavf (Yoav Farhi) . Wowza!
2.9 has been an exciting development cycle, and I must say it has whetted our appetite for 3.0, which is coming next (probably this spring) and will include at the very least the merge of MU with the WordPress core, and a new default theme. We can’t wait to start working on it. But first, some Carmen McRae tunes and a beer. Join us!
(After you upgrade, of course!)
I hope everyone is having a wonderful holiday season.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Sat, 19 Dec 2009 00:46:11 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:4:"Matt";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:48;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:31:"Dev Blog: 2010: A Theme Odyssey";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://wordpress.org/development/?p=1065";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:62:"http://wordpress.org/development/2009/12/2010-a-theme-odyssey/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:2818:"After the video from the core team meetup was posted, the topic that seemed to get the most attention on Twitter and various community sites was Matt’s announcement that there would be a new default theme in 2010, so I thought I’d start with that as the first of the meetup summaries.
When Kubrick was bundled with core back in 2005, it was a cutting edge theme. Custom header, rounded corners, clean design… if you were using WordPress back then, let’s face it, you were impressed. Time moves on, though, fashions change, new styles become old standards, and what was once cutting edge suddenly seems old-fashioned and out of date.
So, a new bundled theme in 2010? We think it’s a good idea. Something nice and light that can serve as a good example theme, include newer theme-based features, and look nice (and current) on a public site. We’d like to introduce a new default theme with version 3.0, which is anticipated to come out in mid-2010 (hence the name), and think it would be good for it to blend well aesthetically with WordPress itself.
I’d been advocating moving toward Elastic , the theme framework/WYSIWYG theme editor that was one of our Google Summer of Code student projects, but after some discussion I agreed with the guys that while Elastic is awesome and should be promoted as a community development project, it’s heavier than a default theme needs to be. The default theme doesn’t need to be a full-featured framework, it just needs to work well, look awesome, have good code and be a good starting point for beginning themers. We were thinking of a fairly minimalist design that would make it easy to customize.
As for the code, there’s a question of if it will really be a new theme, or if it will be a re-styled and updated version of Kubrick. We don’t know the final answer to that yet, because the ultimate decision will be made with the community’s input, but we believe all new markup is the way to go. What do you think? Without venturing into theme framework territory, are there features you think a new default theme should have? Some people have been talking about it on Trac over the past year, if you wonder what’s been tossed around so far. I thought about posting a poll here (you know how I love posting polls to gauge opinion), but in this case I think a discussion thread might be better, so that each vote can explain the reason behind it. So, have an opinion on what a new default theme should include? Weigh in at the forums .
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Fri, 18 Dec 2009 18:36:43 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:10:"Jane Wells";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}i:49;a:6:{s:4:"data";s:13:"
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";s:5:"child";a:2:{s:0:"";a:5:{s:5:"title";a:1:{i:0;a:5:{s:4:"data";s:41:"Weblog Tools Collection: The GTD P2 Theme";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"guid";a:1:{i:0;a:5:{s:4:"data";s:40:"http://weblogtoolscollection.com/?p=7384";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:4:"link";a:1:{i:0;a:5:{s:4:"data";s:70:"http://weblogtoolscollection.com/archives/2009/12/18/the-gtd-p2-theme/";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:11:"description";a:1:{i:0;a:5:{s:4:"data";s:653:"Templatic.com has released a new theme based on P2 called GTD . GTD is meant for private use for collaborative teams of people. Asides from the default functionality supplied by P2, GTD has added file attachment and user notification functions.
For many, the attachment addition to P2 makes this an incredibly simple tool to collaborate on projects with.
";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}s:7:"pubDate";a:1:{i:0;a:5:{s:4:"data";s:31:"Fri, 18 Dec 2009 16:15:07 +0000";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}s:32:"http://purl.org/dc/elements/1.1/";a:1:{s:7:"creator";a:1:{i:0;a:5:{s:4:"data";s:13:"Jeff Chandler";s:7:"attribs";a:0:{}s:8:"xml_base";s:0:"";s:17:"xml_base_explicit";b:0;s:8:"xml_lang";s:0:"";}}}}}}}}}}}}}}}}s:4:"type";i:128;s:7:"headers";a:8:{s:4:"date";s:29:"Mon, 04 Jan 2010 23:02:30 GMT";s:6:"server";s:9:"LiteSpeed";s:13:"accept-ranges";s:5:"bytes";s:10:"connection";s:5:"close";s:4:"etag";s:23:""31e17-4b42730e-5042b6"";s:13:"last-modified";s:29:"Mon, 04 Jan 2010 23:00:30 GMT";s:12:"content-type";s:15:"application/xml";s:14:"content-length";s:6:"204311";}s:5:"build";s:14:"20090627192103";}
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 632
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: bte_wb_interval
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: bte_wb_email
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: bte_wb_email
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: richard@realitymarketingllc.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: richard@realitymarketingllc.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 684
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_timeout_feed_mod_e7745c29da149bc48ce395c42dc0d491
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: smart_youtube
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: smart_youtube
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: bte_wb_plugin_dir
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: /home7/askricha/public_html/mymarketingvp/wp-content/plugins
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: weekly
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[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:1:{i:0;s:17:"wp_contact_form_7";}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: wp_cron_backup_recipient
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: richard@AdvisorMarketingSuccess.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: richard@AdvisorMarketingSuccess.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: dashboard_widget_options
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: sm_status
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: sm_status
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: O:28:"GoogleSitemapGeneratorStatus":29:{s:10:"_startTime";d:1375750582.385427951812744140625;s:8:"_endTime";d:1375750582.777947902679443359375;s:11:"_hasChanged";b:1;s:12:"_memoryUsage";i:34340864;s:9:"_lastPost";i:82;s:9:"_lastTime";d:1375750582.4620759487152099609375;s:8:"_usedXml";b:1;s:11:"_xmlSuccess";b:1;s:8:"_xmlPath";s:63:"/home7/askricha/public_html/advisormarketingsuccess/sitemap.xml";s:7:"_xmlUrl";s:50:"http://www.AdvisorMarketingSuccess.com/sitemap.xml";s:8:"_usedZip";b:1;s:11:"_zipSuccess";b:1;s:8:"_zipPath";s:66:"/home7/askricha/public_html/advisormarketingsuccess/sitemap.xml.gz";s:7:"_zipUrl";s:53:"http://www.AdvisorMarketingSuccess.com/sitemap.xml.gz";s:11:"_usedGoogle";b:1;s:10:"_googleUrl";s:116:"http://www.google.com/webmasters/sitemaps/ping?sitemap=http%3A%2F%2Fwww.AdvisorMarketingSuccess.com%2Fsitemap.xml.gz";s:15:"_gooogleSuccess";b:1;s:16:"_googleStartTime";d:1375750582.4651648998260498046875;s:14:"_googleEndTime";d:1375750582.5794899463653564453125;s:8:"_usedAsk";b:1;s:7:"_askUrl";s:101:"http://submissions.ask.com/ping?sitemap=http%3A%2F%2Fwww.AdvisorMarketingSuccess.com%2Fsitemap.xml.gz";s:11:"_askSuccess";b:0;s:13:"_askStartTime";d:1375750582.580277919769287109375;s:11:"_askEndTime";d:1375750582.5833680629730224609375;s:8:"_usedMsn";b:1;s:7:"_msnUrl";s:109:"http://www.bing.com/webmaster/ping.aspx?siteMap=http%3A%2F%2Fwww.AdvisorMarketingSuccess.com%2Fsitemap.xml.gz";s:11:"_msnSuccess";b:1;s:13:"_msnStartTime";d:1375750582.5849020481109619140625;s:11:"_msnEndTime";d:1375750582.7771399021148681640625;}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: O:28:"GoogleSitemapGeneratorStatus":29:{s:10:"_startTime";d:1375750582.385427951812744140625;s:8:"_endTime";d:1375750582.777947902679443359375;s:11:"_hasChanged";b:1;s:12:"_memoryUsage";i:34340864;s:9:"_lastPost";i:82;s:9:"_lastTime";d:1375750582.4620759487152099609375;s:8:"_usedXml";b:1;s:11:"_xmlSuccess";b:1;s:8:"_xmlPath";s:63:"/home7/askricha/public_html/advisormarketingsuccess/sitemap.xml";s:7:"_xmlUrl";s:50:"http://www.AdvisorMarketingSuccess.com/sitemap.xml";s:8:"_usedZip";b:1;s:11:"_zipSuccess";b:1;s:8:"_zipPath";s:66:"/home7/askricha/public_html/advisormarketingsuccess/sitemap.xml.gz";s:7:"_zipUrl";s:53:"http://www.AdvisorMarketingSuccess.com/sitemap.xml.gz";s:11:"_usedGoogle";b:1;s:10:"_googleUrl";s:116:"http://www.google.com/webmasters/sitemaps/ping?sitemap=http%3A%2F%2Fwww.AdvisorMarketingSuccess.com%2Fsitemap.xml.gz";s:15:"_gooogleSuccess";b:1;s:16:"_googleStartTime";d:1375750582.4651648998260498046875;s:14:"_googleEndTime";d:1375750582.5794899463653564453125;s:8:"_usedAsk";b:1;s:7:"_askUrl";s:101:"http://submissions.ask.com/ping?sitemap=http%3A%2F%2Fwww.AdvisorMarketingSuccess.com%2Fsitemap.xml.gz";s:11:"_askSuccess";b:0;s:13:"_askStartTime";d:1375750582.580277919769287109375;s:11:"_askEndTime";d:1375750582.5833680629730224609375;s:8:"_usedMsn";b:1;s:7:"_msnUrl";s:109:"http://www.bing.com/webmaster/ping.aspx?siteMap=http%3A%2F%2Fwww.AdvisorMarketingSuccess.com%2Fsitemap.xml.gz";s:11:"_msnSuccess";b:1;s:13:"_msnStartTime";d:1375750582.5849020481109619140625;s:11:"_msnEndTime";d:1375750582.7771399021148681640625;}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 760
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 760
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_merchantid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_merchantid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 151215
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 151215
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 761
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 761
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_ARThankyouURL
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_ARThankyouURL
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.moreassetsnow.com/thank-you/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://www.moreassetsnow.com/thank-you/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 762
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 762
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_ARThankyouURL_wp
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_ARThankyouURL_wp
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 763
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 763
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_copyarresponse
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_copyarresponse
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 764
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 764
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_ar1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_ar1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 474775
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 474775
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 765
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 765
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_ar2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_ar2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 766
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 766
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_ar3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_ar3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 767
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 767
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_ar4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_ar4
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 768
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 768
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_ar5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_ar5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 769
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 769
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_ar1_check
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_ar1_check
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 770
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 770
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_ar2_check
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_ar2_check
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 771
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 771
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_ar3_check
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_ar3_check
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 772
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 772
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_ar4_check
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_ar4_check
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 773
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 773
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_ar5_check
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_ar5_check
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 774
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 774
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 775
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 775
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_submit_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_submit_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: button
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: button
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 776
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 776
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_submit_button_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_submit_button_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Sign me up!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Sign me up!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 777
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 777
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_submit_image_url
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_submit_image_url
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 778
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 778
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_submit_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_submit_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Submit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Submit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 779
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 779
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Name_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Name_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 780
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 780
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Email_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Email_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 781
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 781
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Company_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Company_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 782
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 782
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_HomePhone_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_HomePhone_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 783
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 783
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_WorkPhone_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_WorkPhone_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 784
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 784
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Address1_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Address1_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 785
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 785
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Address2_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Address2_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 786
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 786
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_City_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_City_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 787
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 787
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_State_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_State_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 788
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 788
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Zip_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Zip_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 789
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 789
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Country_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Country_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 790
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 790
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Fax_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Fax_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 791
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 791
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom1_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom1_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 792
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 792
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom2_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom2_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 793
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 793
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom3_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom3_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 794
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 794
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom4_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom4_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 795
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 795
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom5_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom5_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 796
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 796
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom6_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom6_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 797
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 797
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom7_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom7_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 798
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 798
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom8_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom8_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 799
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 799
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom9_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom9_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 800
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 800
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom10_required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom10_required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 801
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 801
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom10_rows
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom10_rows
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 802
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 802
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom10_cols
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom10_cols
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 25
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 25
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 803
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 803
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom10_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom10_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Enter Your Comments Here.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Enter Your Comments Here.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 804
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 804
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Name_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Name_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: First Name:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: First Name:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 805
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 805
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Email_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Email_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Your Email:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Your Email:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 806
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 806
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Company_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Company_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Company
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Company
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 807
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 807
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_HomePhone_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_HomePhone_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Home Phone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Home Phone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 808
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 808
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_WorkPhone_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_WorkPhone_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Work Phone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Work Phone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 809
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 809
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Address1_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Address1_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Address
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Address
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 810
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 810
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Address2_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Address2_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Address 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Address 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 811
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 811
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_City_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_City_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: City
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: City
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 812
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 812
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_State_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_State_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: State
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: State
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 813
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 813
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Zip_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Zip_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Zip
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Zip
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 814
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 814
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Country_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Country_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Country
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Country
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 815
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 815
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Fax_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Fax_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Fax
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Fax
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 816
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 816
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom1_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom1_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 817
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 817
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom2_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom2_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 818
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 818
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom3_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom3_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 819
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 819
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom4_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom4_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 820
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 820
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom5_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom5_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 821
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 821
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom6_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom6_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 822
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 822
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom7_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom7_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 823
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 823
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom8_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom8_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 824
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 824
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom9_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom9_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 825
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 825
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom10_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom10_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 826
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 826
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_install_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_install_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: widget
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: widget
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 827
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 827
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_tag_outer
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_tag_outer
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: li
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: li
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 828
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 828
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_tag_inner
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_tag_inner
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: h2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: h2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 829
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 829
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_tag_outer_attributes_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_tag_outer_attributes_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 830
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 830
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_tag_outer_attributes_value
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_tag_outer_attributes_value
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 831
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 831
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_tag_inner_attributes_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_tag_inner_attributes_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 832
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 832
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_tag_inner_attributes_value
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_tag_inner_attributes_value
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 833
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 833
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_tag_inner_label
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_tag_inner_label
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Free Newsletter
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Free Newsletter
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 834
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 834
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_tag_inner_label_align
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_tag_inner_label_align
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: right
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: right
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 835
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 835
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_custom_text_1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_custom_text_1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Bonus Audio: "7 Easy Ways to Jumpstart Your Financial Advising Business – Without Investing a Lot of Money or Time”
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Bonus Audio: "7 Easy Ways to Jumpstart Your Financial Advising Business – Without Investing a Lot of Money or Time”
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 836
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 836
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_custom_text_1_check
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_custom_text_1_check
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 837
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 837
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_custom_text_1_align
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_custom_text_1_align
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: center
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: center
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 838
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 838
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_custom_text_2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_custom_text_2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: We'll never share your information with anyone, we HATE spam too! You can unsubscribe at anytime.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: We'll never share your information with anyone, we HATE spam too! You can unsubscribe at anytime.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 839
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 839
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_custom_text_2_check
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_custom_text_2_check
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 840
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 840
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_custom_text_2_align
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_custom_text_2_align
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: center
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: center
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 841
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 841
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Name_missing_field_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Name_missing_field_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: #f99
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: #f99
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 842
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 842
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Name_missing_field_text_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Name_missing_field_text_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: #f00
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: #f00
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 843
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 843
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Name_missing_field_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Name_missing_field_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Please fill in required fields.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Please fill in required fields.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 844
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 844
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Name_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Name_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Please Enter Your First Name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Please Enter Your First Name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 845
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 845
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Email_invalid_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Email_invalid_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Please enter a valid email address, example: you@yourdomain.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Please enter a valid email address, example: you@yourdomain.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 846
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 846
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Email_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Email_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Please Enter an Email Address
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Please Enter an Email Address
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 847
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 847
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Company_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Company_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Please Enter Your Company Name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Please Enter Your Company Name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 848
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 848
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_HomePhone_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_HomePhone_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Please Enter Your Home Phone Number
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Please Enter Your Home Phone Number
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 849
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 849
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_WorkPhone_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_WorkPhone_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Please Enter Your Work Phone Number
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Please Enter Your Work Phone Number
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 850
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 850
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Address1_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Address1_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Please Enter Your Address
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Please Enter Your Address
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 851
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 851
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Address2_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Address2_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Please Enter Your Address2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Please Enter Your Address2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 852
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 852
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_City_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_City_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Please Enter Your City
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Please Enter Your City
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 853
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 853
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_State_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_State_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Please Enter Your State
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Please Enter Your State
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 854
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 854
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Zip_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Zip_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Please Enter Your Zip Code
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Please Enter Your Zip Code
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 855
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 855
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Country_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Country_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Please Enter Your Country
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Please Enter Your Country
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 856
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 856
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Fax_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Fax_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Please Enter Your Fax Number
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Please Enter Your Fax Number
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 857
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 857
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom1_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom1_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 858
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 858
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom2_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom2_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 859
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 859
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom3_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom3_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 860
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 860
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom4_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom4_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 861
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 861
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom5_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom5_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 862
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 862
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom6_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom6_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 863
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 863
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom7_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom7_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 864
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 864
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom8_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom8_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 865
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 865
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom9_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom9_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 866
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 866
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_field_name_Custom10_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_field_name_Custom10_validate_message
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Field is required
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 867
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 867
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_tag_outer_attributes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_tag_outer_attributes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 868
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 868
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_tag_inner_attributes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_tag_inner_attributes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 869
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 869
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: oneshop_sidebar_tag_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: oneshop_sidebar_tag_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 919
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 919
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: embed_autourls
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: embed_autourls
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 920
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 920
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: embed_size_w
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: embed_size_w
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 921
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 921
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: embed_size_h
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: embed_size_h
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 600
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 600
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 5671
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 5671
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: bte_wb_deletefile
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: bte_wb_deletefile
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3062
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3062
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: wp_table_reloaded_options
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: wp_table_reloaded_options
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:22:{s:17:"installed_version";s:5:"1.9.3";s:15:"plugin_language";s:4:"auto";s:27:"uninstall_upon_deactivation";b:0;s:17:"show_exit_warning";b:1;s:17:"growing_textareas";b:1;s:28:"use_datatables_on_table_list";b:1;s:25:"add_target_blank_to_links";b:0;s:18:"enable_tablesorter";b:1;s:18:"tablesorter_script";s:10:"datatables";s:15:"use_default_css";b:1;s:14:"use_custom_css";b:1;s:10:"custom_css";s:403:".wp-table-reloaded-id-1 {
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[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:22:{s:17:"installed_version";s:5:"1.9.3";s:15:"plugin_language";s:4:"auto";s:27:"uninstall_upon_deactivation";b:0;s:17:"show_exit_warning";b:1;s:17:"growing_textareas";b:1;s:28:"use_datatables_on_table_list";b:1;s:25:"add_target_blank_to_links";b:0;s:18:"enable_tablesorter";b:1;s:18:"tablesorter_script";s:10:"datatables";s:15:"use_default_css";b:1;s:14:"use_custom_css";b:1;s:10:"custom_css";s:403:".wp-table-reloaded-id-1 {
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1189
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_design_options_active
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1190
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_stylesheet
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_stylesheet
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1191
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1191
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_dynamic_stylesheet_format
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_dynamic_stylesheet_format
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: CSS
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: CSS
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1192
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1192
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_gzip_active
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_gzip_active
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1193
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1193
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_db_speed_test
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_db_speed_test
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1194
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1194
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_widget_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_widget_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1195
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_universal_fonts_active
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1196
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_universal_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_universal_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Helvetica, sans-serif
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1197
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_universal_font_color
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: recently_activated
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 930
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: headway_sidebars_widgets
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: headway_sidebars_widgets
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:3:{s:19:"wp_inactive_widgets";a:14:{i:0;s:8:"search-2";i:1;s:11:"subscribe-2";i:2;s:14:"socialwidget-2";i:3;s:7:"pages-2";i:4;s:10:"calendar-2";i:5;s:10:"archives-2";i:6;s:7:"links-2";i:7;s:6:"meta-2";i:8;s:6:"text-2";i:9;s:12:"categories-2";i:10;s:14:"recent-posts-2";i:11;s:17:"recent-comments-2";i:12;s:5:"rss-2";i:13;s:11:"tag_cloud-2";}s:9:"sidebar-2";a:4:{i:0;s:16:"1sc-custom-forms";i:1;s:6:"text-3";i:2;s:5:"rss-3";i:3;s:12:"categories-3";}s:13:"array_version";i:3;}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:3:{s:19:"wp_inactive_widgets";a:14:{i:0;s:8:"search-2";i:1;s:11:"subscribe-2";i:2;s:14:"socialwidget-2";i:3;s:7:"pages-2";i:4;s:10:"calendar-2";i:5;s:10:"archives-2";i:6;s:7:"links-2";i:7;s:6:"meta-2";i:8;s:6:"text-2";i:9;s:12:"categories-2";i:10;s:14:"recent-posts-2";i:11;s:17:"recent-comments-2";i:12;s:5:"rss-2";i:13;s:11:"tag_cloud-2";}s:9:"sidebar-2";a:4:{i:0;s:16:"1sc-custom-forms";i:1;s:6:"text-3";i:2;s:5:"rss-3";i:3;s:12:"categories-3";}s:13:"array_version";i:3;}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 970
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 970
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: akismet_spam_count
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2711
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2711
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_feed_mod_0ff4b43bd116a9d8720d689c80e7dfd4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_feed_mod_0ff4b43bd116a9d8720d689c80e7dfd4
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1262646150
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1131
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1131
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_feed_mod_867bd5c64f85878d03a060509cd2f92c
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_feed_mod_867bd5c64f85878d03a060509cd2f92c
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1430
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1430
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_content_title_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_content_title_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1431
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1431
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_content_title_font_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_content_title_font_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 5482C8
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 5482C8
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1432
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1432
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_content_title_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_content_title_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Never
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Never
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1433
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1433
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_content_title_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_content_title_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1434
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1434
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_content_title_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_content_title_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: none
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: none
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1435
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1435
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_content_title_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_content_title_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1436
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1436
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_content_title_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_content_title_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1437
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1437
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_content_title_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_content_title_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: left
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: left
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1438
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1438
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_content_title_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_content_title_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 110
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 110
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1439
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1439
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_subhead_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_subhead_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1440
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1440
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_subhead_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_subhead_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1441
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1441
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_post_subhead_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_post_subhead_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1442
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1442
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_subhead_font_size_h3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_subhead_font_size_h3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1443
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1443
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_subhead_font_size_h4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_subhead_font_size_h4
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1444
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1444
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_subhead_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_subhead_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1445
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1445
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_subhead_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_subhead_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: none
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: none
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1446
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1446
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_subhead_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_subhead_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1447
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1447
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_subhead_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_subhead_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1448
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1448
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_subhead_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_subhead_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 160
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 160
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1449
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1449
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_main_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_main_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1450
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1450
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_main_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_main_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1451
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1451
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1452
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1452
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_main_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_main_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 160
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 160
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1453
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1453
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_main_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_main_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1454
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1454
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_main_content_font_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_main_content_font_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1455
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1455
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_main_content_font_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_main_content_font_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1456
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1456
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_main_content_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_main_content_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1457
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1457
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_tb_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_tb_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1458
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1458
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1459
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1459
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1460
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1460
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1461
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1461
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1462
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1462
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_heading_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_heading_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1463
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1463
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_heading_border_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_heading_border_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Bottom
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Bottom
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1464
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1464
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_heading_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_heading_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1465
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1465
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_heading_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_heading_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1466
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1466
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_heading_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_heading_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1422A0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1422A0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1467
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1467
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_content_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_content_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1468
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1468
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_content_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_content_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1469
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1469
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_content_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_content_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1470
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1470
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_content_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_content_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1471
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1471
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_list_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_list_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: none
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: none
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1472
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1472
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_heading_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_heading_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1473
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1473
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_heading_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_heading_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1474
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1474
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_sb_heading_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_sb_heading_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1475
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1475
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_heading_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_heading_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1476
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1476
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_heading_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_heading_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: bold
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: bold
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1477
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1477
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_heading_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_heading_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: uppercase
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: uppercase
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1478
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1478
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_heading_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_heading_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1479
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1479
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_heading_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_heading_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1.5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1.5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1480
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1480
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_title_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_title_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: left
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: left
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1481
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1481
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_heading_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_heading_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 100
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 100
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1482
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1482
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1483
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1483
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1484
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1484
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_sb_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_sb_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1485
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1485
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 160
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 160
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1486
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1486
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1487
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1487
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_content_font_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_content_font_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1488
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1488
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_content_font_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_content_font_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1489
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1489
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1490
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1490
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_bylinemeta_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_bylinemeta_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1491
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1491
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_bylinemeta_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_bylinemeta_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1492
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1492
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_bylinemeta_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_bylinemeta_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1493
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1493
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_bylinemeta_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_bylinemeta_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 120
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 120
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1494
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1494
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_bylinemeta_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_bylinemeta_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 888888
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 888888
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1495
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1495
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_bylinemeta_text_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_bylinemeta_text_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 888888
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 888888
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1496
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1496
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_bylinemeta_text_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_bylinemeta_text_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 888888
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 888888
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1497
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1497
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_bylinemeta_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_bylinemeta_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1498
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1498
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_commentmeta_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_commentmeta_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1499
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1499
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_commentmeta_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_commentmeta_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1500
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1500
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_commentmeta_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_commentmeta_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1501
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1501
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_commentmeta_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_commentmeta_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 888888
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 888888
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1502
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1502
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_commentmeta_font_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_commentmeta_font_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 444444
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 444444
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1503
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1503
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_commentmeta_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_commentmeta_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1504
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1504
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_blockquote_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_blockquote_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FAFAFA
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FAFAFA
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1505
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1505
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_blockquote_border_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_blockquote_border_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Top/Bottom
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Top/Bottom
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1506
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1506
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_blockquote_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_blockquote_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1507
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1507
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_blockquote_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_blockquote_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1508
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1508
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_blockquote_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_blockquote_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1509
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1509
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_box_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_box_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1510
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1510
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_box_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_box_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FAFAFA
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FAFAFA
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1511
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1511
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_box_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_box_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1512
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1512
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_box_text_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_box_text_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 333333
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 333333
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1513
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1513
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_sub_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_sub_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 200
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 200
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1514
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1514
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_sub_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_sub_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1515
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1515
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_sub_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_sub_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1516
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1516
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_comment_sub_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_comment_sub_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1517
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1517
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_sub_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_sub_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: bold
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: bold
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1518
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1518
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_sub_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_sub_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FAFAFA
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FAFAFA
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1519
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1519
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_sub_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_sub_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1520
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1520
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_sub_text_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_sub_text_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 666666
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 666666
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1521
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1521
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_alt_comment_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_alt_comment_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1522
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1522
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_alt_comment_reply_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_alt_comment_reply_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: EEEEEE
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: EEEEEE
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1523
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1523
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1524
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1524
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_main_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_main_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1525
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1525
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_comment_main_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_comment_main_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1526
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1526
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_commenter_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_commenter_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1527
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1527
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 12
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 12
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1528
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1528
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_comment_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_comment_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1529
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1529
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 333333
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 333333
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1530
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1530
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1531
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1531
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1532
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1532
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_banner_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_banner_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1533
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1533
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_banner_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_banner_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1534
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1534
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_banner_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_banner_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FAFAFA
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FAFAFA
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1535
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1535
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_banner_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_banner_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1536
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1536
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_banner_text_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_banner_text_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 444444
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 444444
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1537
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1537
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_display_hp
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_display_hp
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1538
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1538
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_display_blog
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_display_blog
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1539
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1539
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_display_cms
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_display_cms
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1540
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1540
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_number
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_number
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1541
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1541
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_display_blog
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_display_blog
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1542
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1542
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_display_cms
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_display_cms
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1543
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1543
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_number
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_number
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1544
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1544
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1545
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1545
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_border_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_border_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Bottom
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Bottom
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1546
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1546
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1547
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1547
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1548
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1548
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1549
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1549
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1550
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1550
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_htww_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_htww_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1551
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1551
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_htww_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_htww_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1552
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1552
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_htww_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_htww_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1553
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1553
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_htww_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_htww_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1554
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1554
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1555
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1555
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_border_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_border_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Top
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Top
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1556
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1556
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1557
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1557
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1558
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1558
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1559
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1559
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1560
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1560
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_video_embed
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_video_embed
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1561
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1561
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_text_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_text_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1562
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1562
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1563
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1563
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_fb_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_fb_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1564
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1564
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_fb_video_embed
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_fb_video_embed
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1565
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1565
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_fb_text_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_fb_text_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1566
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1566
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_fb_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_fb_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1567
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1567
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1568
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1568
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_outer_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_outer_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: EFEFEF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: EFEFEF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1569
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1569
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_inner_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_inner_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: CCCCCC
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: CCCCCC
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1570
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1570
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hfbox_outer_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hfbox_outer_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: EFEFEF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: EFEFEF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1571
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1571
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hfbox_inner_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hfbox_inner_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: CCCCCC
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: CCCCCC
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1572
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1572
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_homepage_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_homepage_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Do Not Display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Do Not Display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1573
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1573
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_top_layout
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_top_layout
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Widgets
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Widgets
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1574
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1574
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_widget_number
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_widget_number
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1575
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1575
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_view_posts_url
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_view_posts_url
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1576
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1576
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_display_home_bottom
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_display_home_bottom
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1577
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1577
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_bottom_layout
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_bottom_layout
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Widgets
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Widgets
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1578
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1578
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_widget_number
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_widget_number
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1579
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1579
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_feature_show
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_feature_show
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: latest_post
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: latest_post
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1580
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1580
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sidebar_h_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sidebar_h_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 240
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 240
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1581
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1581
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_sb_float
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_sb_float
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: right
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: right
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1582
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1582
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_h_tb_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_h_tb_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1583
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1583
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_h_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_h_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1584
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1584
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_h_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_h_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1585
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1585
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_h_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_h_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1586
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1586
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_h_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_h_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1587
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1587
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fp_author_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fp_author_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1588
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1588
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fp_date_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fp_date_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1589
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1589
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fp_comment_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fp_comment_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1590
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1590
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fp_cat_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fp_cat_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1591
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1591
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1592
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1592
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1593
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1593
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1594
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1594
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1595
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1595
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1596
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1596
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1597
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1597
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1598
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1598
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1599
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1599
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1600
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1600
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1601
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1601
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1602
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1602
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1603
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1603
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1604
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1604
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1605
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1605
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1606
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1606
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1607
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1607
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1608
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1608
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1609
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1609
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1610
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1610
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1611
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1611
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1612
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1612
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1613
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1613
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1614
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1614
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1615
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1615
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1616
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1616
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1617
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1617
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1618
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1618
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1619
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1619
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1620
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1620
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1621
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1621
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1622
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1622
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1623
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1623
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1624
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1624
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1625
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1625
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1626
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1626
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1627
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1627
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1628
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1628
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1629
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1629
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1630
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1630
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1631
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1631
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1632
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1632
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1633
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1633
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_widget_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_widget_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1634
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1634
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_widget_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_widget_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1635
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1635
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_widget_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_widget_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1636
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1636
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_widget_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_widget_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1637
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1637
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_widget_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_widget_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1638
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1638
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_widget_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_widget_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1639
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1639
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_widget_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_widget_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1640
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1640
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_widget_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_widget_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1641
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1641
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_widget_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_widget_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1642
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1642
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_htww_widget_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_htww_widget_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1643
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1643
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_htww_widget_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_htww_widget_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1644
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1644
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_htww_widget_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_htww_widget_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1645
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1645
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_htww_widget_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_htww_widget_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1646
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1646
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_htww_widget_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_htww_widget_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1647
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1647
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_htww_widget_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_htww_widget_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1648
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1648
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_htww_widget_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_htww_widget_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1649
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1649
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_htww_widget_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_htww_widget_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1650
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1650
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_htww_widget_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_htww_widget_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1651
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1651
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1652
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1652
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1653
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1653
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1654
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1654
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1655
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1655
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1656
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1656
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1657
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1657
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1658
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1658
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1659
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1659
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_widget_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_widget_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1660
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1660
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_widget_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_widget_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1661
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1661
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_widget_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_widget_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1662
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1662
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_widget_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_widget_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1663
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1663
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_widget_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_widget_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1664
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1664
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_widget_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_widget_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1665
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1665
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_widget_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_widget_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1666
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1666
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_widget_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_widget_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1667
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1667
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_widget_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_widget_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1668
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1668
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_bottom_comment_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_bottom_comment_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1669
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1669
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fp_byline_author_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fp_byline_author_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Written by
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Written by
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1670
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1670
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fp_byline_date_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fp_byline_date_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: on
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: on
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1671
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1671
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_feature_author_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_feature_author_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1672
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1672
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_feature_date_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_feature_date_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1673
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1673
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_feature_comment_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_feature_comment_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1674
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1674
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_feature_cat_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_feature_cat_meta_display
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1675
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1675
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_excerpt_byline_author_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_excerpt_byline_author_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: by
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: by
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1676
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1676
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_excerpt_byline_date_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_excerpt_byline_date_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: on
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: on
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1677
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1677
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_title_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_title_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1678
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1678
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_title_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_title_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1679
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1679
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_ft_widget_title_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_ft_widget_title_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1680
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1680
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_title_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_title_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 555555
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 555555
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1681
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1681
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_title_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_title_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1682
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1682
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_title_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_title_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: uppercase
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: uppercase
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1683
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1683
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_title_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_title_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1684
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1684
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_title_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_title_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: center
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: center
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1685
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1685
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_title_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_title_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1.5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1.5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1686
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1686
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_widget_title_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_widget_title_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1687
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1687
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_title_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_title_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1688
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1688
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_title_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_title_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1689
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1689
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_fb_widget_title_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_fb_widget_title_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1690
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1690
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_title_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_title_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 555555
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 555555
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1691
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1691
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_title_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_title_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1692
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1692
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_title_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_title_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: uppercase
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: uppercase
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1693
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1693
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_title_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_title_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1694
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1694
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_title_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_title_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: center
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: center
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1695
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1695
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_title_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_title_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1.5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1.5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1696
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1696
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_widget_title_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_widget_title_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1697
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1697
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_title_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_title_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1698
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1698
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_title_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_title_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1699
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1699
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_home_excerpt_title_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_home_excerpt_title_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1700
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1700
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_title_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_title_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1701
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1701
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_title_font_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_title_font_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 5482C8
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 5482C8
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1702
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1702
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_title_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_title_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Never
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Never
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1703
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1703
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_title_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_title_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: none
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: none
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1704
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1704
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_title_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_title_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1705
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1705
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_title_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_title_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1706
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1706
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_title_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_title_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1707
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1707
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_title_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_title_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1708
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1708
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1709
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1709
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1710
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1710
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_home_excerpt_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_home_excerpt_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1711
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1711
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1712
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1712
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1713
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1713
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_bylinemeta_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_bylinemeta_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1714
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1714
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_bylinemeta_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_bylinemeta_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1715
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1715
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_home_excerpt_bylinemeta_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_home_excerpt_bylinemeta_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1716
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1716
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_title_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_title_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: left
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: left
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1717
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1717
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_bylinemeta_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_bylinemeta_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 120
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 120
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1718
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1718
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_home_excerpt_bylinemeta_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_home_excerpt_bylinemeta_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 888888
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 888888
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1719
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1719
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_feature_widget_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_feature_widget_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1720
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1720
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_feature_widget_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_feature_widget_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1721
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1721
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_feature_widget_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_feature_widget_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1722
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1722
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_feature_widget_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_feature_widget_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1723
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1723
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_feature_widget_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_feature_widget_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1724
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1724
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_feature_widget_content_font_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_feature_widget_content_font_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1725
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1725
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_feature_widget_content_font_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_feature_widget_content_font_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1726
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1726
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_feature_widget_content_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_feature_widget_content_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1727
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1727
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1728
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1728
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_headline_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_headline_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 22
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1729
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1729
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_fbox_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_fbox_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1730
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1730
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_headline_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_headline_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 666666
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 666666
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1731
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1731
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_headline_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_headline_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1732
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1732
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_headline_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_headline_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: none
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: none
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1733
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1733
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_headline_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_headline_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1734
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1734
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_headline_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_headline_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1.5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1.5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1735
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1735
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_headline_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_headline_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1736
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1736
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1737
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1737
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1738
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1738
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_fbox_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_fbox_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1739
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1739
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 160
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 160
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1740
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1740
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1741
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1741
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_content_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_content_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1742
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1742
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_content_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_content_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1743
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1743
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fbox_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fbox_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1744
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1744
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_action
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_action
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: off
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: off
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1745
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1745
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1746
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1746
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_float
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_float
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: left
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: left
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1747
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1747
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Custom Widget 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Custom Widget 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1748
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1748
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1749
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1749
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1750
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1750
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1751
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1751
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1752
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1752
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1753
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1753
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1754
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1754
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1755
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1755
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1756
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1756
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_hook
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_hook
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: frugal_hook_before_html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: frugal_hook_before_html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1757
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1757
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1758
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1758
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1759
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1759
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1760
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1760
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1761
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1761
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1762
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1762
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1763
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1763
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_headline_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_headline_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1764
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1764
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_cw1_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_cw1_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1765
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1765
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_headline_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_headline_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1766
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1766
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_headline_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_headline_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1767
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1767
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_headline_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_headline_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: left
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: left
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1768
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1768
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_headline_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_headline_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: none
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: none
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1769
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1769
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_headline_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_headline_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1770
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1770
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_headline_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_headline_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1.5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1.5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1771
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1771
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_headline_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_headline_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1772
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1772
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1773
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1773
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1774
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1774
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_cw1_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_cw1_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1775
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1775
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 160
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 160
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1776
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1776
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1777
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1777
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_content_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_content_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1778
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1778
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_content_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_content_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1779
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1779
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1780
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1780
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_action
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_action
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: off
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: off
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1781
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1781
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1782
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1782
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_float
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_float
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: left
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: left
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1783
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1783
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Custom Widget 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Custom Widget 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1784
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1784
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1785
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1785
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1786
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1786
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1787
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1787
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1788
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1788
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1789
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1789
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1790
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1790
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1791
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1791
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1792
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1792
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_hook
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_hook
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: frugal_hook_before_html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: frugal_hook_before_html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1793
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1793
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1794
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1794
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1795
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1795
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1796
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1796
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1797
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1797
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1798
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1798
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1799
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1799
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_headline_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_headline_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1800
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1800
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_cw2_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_cw2_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1801
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1801
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_headline_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_headline_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1802
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1802
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_headline_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_headline_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1803
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1803
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_headline_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_headline_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: left
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: left
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1804
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1804
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_headline_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_headline_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: none
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: none
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1805
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1805
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_headline_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_headline_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1806
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1806
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_headline_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_headline_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1.5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1.5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1807
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1807
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_headline_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_headline_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1808
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1808
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1809
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1809
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1810
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1810
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_cw2_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_cw2_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1811
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1811
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 160
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 160
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1812
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1812
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1813
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1813
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_content_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_content_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1814
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1814
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_content_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_content_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1815
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1815
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1816
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1816
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_action
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_action
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: off
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: off
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1817
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1817
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1818
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1818
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_float
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_float
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: left
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: left
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1819
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1819
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Custom Widget 3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Custom Widget 3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1820
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1820
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1821
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1821
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1822
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1822
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1823
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1823
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1824
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1824
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1825
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1825
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1826
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1826
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1827
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1827
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1828
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1828
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_hook
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_hook
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: frugal_hook_before_html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: frugal_hook_before_html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1829
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1829
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1830
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1830
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1831
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1831
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1832
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1832
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1833
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1833
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1834
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1834
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1835
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1835
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_headline_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_headline_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1836
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1836
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_cw3_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_cw3_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1837
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1837
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_headline_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_headline_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1838
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1838
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_headline_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_headline_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1839
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1839
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_headline_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_headline_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: left
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: left
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1840
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1840
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_headline_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_headline_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: none
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: none
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1841
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1841
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_headline_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_headline_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1842
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1842
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_headline_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_headline_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1.5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1.5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1843
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1843
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_headline_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_headline_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1844
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1844
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1845
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1845
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1846
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1846
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_cw3_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_cw3_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1847
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1847
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 160
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 160
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1848
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1848
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1849
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1849
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_content_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_content_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1850
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1850
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_content_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_content_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1851
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1851
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1852
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1852
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_action
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_action
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: off
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: off
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1853
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1853
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1854
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1854
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_float
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_float
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: left
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: left
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1855
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1855
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Custom Widget 4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Custom Widget 4
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1856
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1856
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_top_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1857
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1857
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_right_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1858
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1858
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_bottom_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1859
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1859
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_left_margin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1860
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1860
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_top_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1861
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1861
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_right_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1862
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1862
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_bottom_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1863
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1863
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_left_padding
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1864
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1864
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_hook
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_hook
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: frugal_hook_before_html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: frugal_hook_before_html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1865
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1865
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1866
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1866
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_display_block
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1867
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1867
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1868
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1868
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1869
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1869
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1870
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1870
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1871
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1871
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_headline_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_headline_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1872
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1872
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_cw4_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_cw4_headline_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1873
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1873
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_headline_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_headline_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1874
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1874
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_headline_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_headline_font_weight
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1875
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1875
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_headline_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_headline_text_align
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: left
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: left
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1876
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1876
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_headline_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_headline_text_caps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: none
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: none
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1877
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1877
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_headline_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_headline_font_variant
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: normal
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1878
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1878
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_headline_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_headline_letter_spacing
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1.5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1.5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1879
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1879
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_headline_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_headline_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1880
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1880
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Georgia, serif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1881
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1881
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_content_font_size
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1882
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1882
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_custom_cw4_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_custom_cw4_content_font
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1883
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1883
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_content_line_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 160
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 160
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1884
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1884
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_content_font_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1885
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1885
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_content_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_content_link_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1886
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1886
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_content_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_content_link_hover_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3A639A
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1887
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1887
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_text_link_underline
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: On Hover
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1888
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1888
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cf1_code_php
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cf1_code_php
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1889
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1889
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cf1_code
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cf1_code
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1890
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1890
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cf1_hook
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cf1_hook
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: frugal_hook_before_html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: frugal_hook_before_html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1891
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1891
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cf2_code_php
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cf2_code_php
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: No
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: No
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1892
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1892
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cf2_code
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cf2_code
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1893
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1893
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cf2_hook
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cf2_hook
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: frugal_hook_before_html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: frugal_hook_before_html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1894
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1894
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: frugal_css_stylesheet
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: frugal_css_stylesheet
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1895
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1895
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: frugal_css_timestamp
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: frugal_css_timestamp
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1277429421
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1277429421
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1896
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1896
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: frugal_set_options
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: frugal_set_options
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1897
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1897
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: frugal_upgrade_options
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: frugal_upgrade_options
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2121
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2121
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_activate_options
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_activate_options
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2122
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2122
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_activate_design_options
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_activate_design_options
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2123
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2123
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_wrap_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_wrap_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2124
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2124
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_wrap_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_wrap_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2125
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2125
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_header_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_header_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2126
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2126
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_header_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_header_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2127
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2127
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2128
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2128
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_footer_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_footer_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2129
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2129
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1901
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1901
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_design_reset_1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_design_reset_1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: off
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: off
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1902
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1902
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_design_reset_2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_design_reset_2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: off
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: off
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1907
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1907
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_plugins_delete_result_2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_plugins_delete_result_2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1929
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1929
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_feed_mod_a5420c83891a9c88ad2a4f04584a5efc
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_feed_mod_a5420c83891a9c88ad2a4f04584a5efc
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1262815672
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1262815672
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1932
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1932
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_feed_mod_57bc725ad6568758915363af670fd8bc
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_feed_mod_57bc725ad6568758915363af670fd8bc
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1262815672
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1262815672
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1935
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1935
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_feed_mod_1a5f760f2e2b48827d4974a60857e7c2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_feed_mod_1a5f760f2e2b48827d4974a60857e7c2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1262815673
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1262815673
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2991
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2991
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_update_core
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_update_core
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: O:8:"stdClass":3:{s:7:"updates";a:1:{i:0;O:8:"stdClass":5:{s:8:"response";s:7:"upgrade";s:3:"url";s:30:"http://wordpress.org/download/";s:7:"package";s:40:"http://wordpress.org/wordpress-3.2.1.zip";s:7:"current";s:5:"3.2.1";s:6:"locale";s:5:"en_US";}}s:12:"last_checked";i:1314373073;s:15:"version_checked";s:5:"2.9.2";}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: O:8:"stdClass":3:{s:7:"updates";a:1:{i:0;O:8:"stdClass":5:{s:8:"response";s:7:"upgrade";s:3:"url";s:30:"http://wordpress.org/download/";s:7:"package";s:40:"http://wordpress.org/wordpress-3.2.1.zip";s:7:"current";s:5:"3.2.1";s:6:"locale";s:5:"en_US";}}s:12:"last_checked";i:1314373073;s:15:"version_checked";s:5:"2.9.2";}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2130
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2130
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2131
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2131
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_cp_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_cp_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2132
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2132
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_cp_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_cp_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2133
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2133
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_non_cp_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_non_cp_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2134
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2134
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_non_cp_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_non_cp_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2135
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2135
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_non_cp_hover_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_non_cp_hover_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2136
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2136
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_non_cp_hover_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_non_cp_hover_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2137
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2137
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_sub_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_sub_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2138
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2138
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_sub_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_sub_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2139
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2139
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_sub_hover_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_sub_hover_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2140
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2140
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_sub_hover_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_sub_hover_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2141
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2141
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_sub_cp_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_sub_cp_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2142
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2142
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_sub_cp_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_sub_cp_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2143
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2143
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2144
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2144
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2145
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2145
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_page_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_page_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2146
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2146
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_page_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_page_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2147
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2147
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_page_hover_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_page_hover_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2148
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2148
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_page_hover_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_page_hover_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2149
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2149
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_sub_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_sub_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2150
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2150
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_sub_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_sub_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2151
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2151
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_sub_hover_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_sub_hover_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2152
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2152
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_sub_hover_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_sub_hover_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2153
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2153
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2154
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2154
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ft_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ft_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2155
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2155
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2156
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2156
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2157
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2157
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2158
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2158
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_fb_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_fb_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2159
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2159
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cc_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cc_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2160
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2160
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cc_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cc_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2161
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2161
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2162
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2162
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2163
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2163
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_heading_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_heading_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2164
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2164
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_heading_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_heading_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2165
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2165
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_content_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_content_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2166
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2166
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_content_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_content_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2167
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2167
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_h_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_h_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2168
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2168
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_search_box_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_search_box_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2169
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2169
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_search_box_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_search_box_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2170
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2170
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_blockquote_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_blockquote_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2171
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2171
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_blockquote_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_blockquote_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2172
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2172
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_banner_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_banner_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2173
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2173
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_post_banner_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_post_banner_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2174
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2174
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_box_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_box_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2175
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2175
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_box_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_box_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2176
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2176
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_sub_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_sub_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2177
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2177
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_comment_sub_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_comment_sub_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2178
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2178
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2179
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2179
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw1_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw1_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2180
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2180
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2181
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2181
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw2_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw2_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2182
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2182
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2183
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2183
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw3_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw3_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2184
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2184
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_bg_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2185
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2185
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_cw4_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_cw4_bg_image_name
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2186
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2186
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_right_text
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_right_text
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2187
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2187
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_h_heading_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_h_heading_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2188
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2188
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_sb_h_heading_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_sb_h_heading_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2189
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2189
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_thumb_type
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_thumb_type
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Resize
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Resize
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2190
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2190
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_thumb_alignment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_thumb_alignment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: None
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: None
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2191
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2191
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_thumb_width
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_thumb_width
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2192
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2192
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_thumb_height
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_thumb_height
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 150
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2193
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2193
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_thumb_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_thumb_border_style
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: solid
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2194
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2194
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_thumb_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_thumb_border_thickness
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2195
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2195
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_thumb_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_thumb_border_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DDDDDD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2196
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2196
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_image_upload_dir
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_image_upload_dir
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: banners/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: banners/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2197
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2197
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: frugal_upgrade_options_32
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: frugal_upgrade_options_32
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 32
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 32
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2198
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2198
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_update_themes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_update_themes
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: O:8:"stdClass":3:{s:12:"last_checked";i:1314373075;s:7:"checked";a:8:{s:7:"classic";s:3:"1.5";s:7:"default";s:3:"1.6";s:10:"frugal_315";s:4:"3.15";s:9:"frugal_32";s:3:"3.2";s:11:"headway-151";s:5:"1.5.1";s:13:"headway-156-2";s:5:"1.5.6";s:11:"headway-156";s:5:"1.5.6";s:10:"whitehouse";s:5:"1.3.1";}s:8:"response";a:1:{s:10:"whitehouse";a:3:{s:11:"new_version";s:5:"2.0.0";s:3:"url";s:45:"http://wordpress.org/extend/themes/whitehouse";s:7:"package";s:64:"http://wordpress.org/extend/themes/download/whitehouse.2.0.0.zip";}}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: O:8:"stdClass":3:{s:12:"last_checked";i:1314373075;s:7:"checked";a:8:{s:7:"classic";s:3:"1.5";s:7:"default";s:3:"1.6";s:10:"frugal_315";s:4:"3.15";s:9:"frugal_32";s:3:"3.2";s:11:"headway-151";s:5:"1.5.1";s:13:"headway-156-2";s:5:"1.5.6";s:11:"headway-156";s:5:"1.5.6";s:10:"whitehouse";s:5:"1.3.1";}s:8:"response";a:1:{s:10:"whitehouse";a:3:{s:11:"new_version";s:5:"2.0.0";s:3:"url";s:45:"http://wordpress.org/extend/themes/whitehouse";s:7:"package";s:64:"http://wordpress.org/extend/themes/download/whitehouse.2.0.0.zip";}}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2200
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2200
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_page_hover_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_page_hover_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: CAEBCD
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: CAEBCD
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2201
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2201
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_subnav_sub_hover_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_subnav_sub_hover_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2202
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2202
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_navbar_sub_cp_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_navbar_sub_cp_bg_color
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: FFFFFF
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2203
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2203
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_page_id
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_page_id
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2204
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2204
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_cat_id
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_cat_id
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2205
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2205
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_post_id
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_post_id
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2206
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2206
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_left_cat
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_left_cat
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2207
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2207
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_middle_cat
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_middle_cat
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2208
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2208
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_ht_right_cat
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_ht_right_cat
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2209
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2209
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_left_cat
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_left_cat
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2210
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2210
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_middle_cat
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_middle_cat
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2211
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2211
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fr_hb_right_cat
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fr_hb_right_cat
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2214
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2214
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: widget_mycategoryorder
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: widget_mycategoryorder
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:2:{i:2;a:0:{}s:12:"_multiwidget";i:1;}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:2:{i:2;a:0:{}s:12:"_multiwidget";i:1;}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3063
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3063
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: wp_table_reloaded_tables
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: wp_table_reloaded_tables
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:1:{i:1;s:24:"wp_table_reloaded_data_1";}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:1:{i:1;s:24:"wp_table_reloaded_data_1";}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3064
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3064
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: wp_table_reloaded_data_1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: wp_table_reloaded_data_1
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:9:{s:2:"id";s:1:"1";s:4:"data";a:5:{i:0;a:3:{i:0;s:292:"
";i:2;s:9:"#rowspan#";}}s:4:"name";s:7:"Contact";s:11:"description";s:19:"Contact information";s:13:"last_modified";s:19:"2012-07-09 23:00:41";s:14:"last_editor_id";i:1;s:10:"visibility";a:2:{s:4:"rows";a:5:{i:0;b:0;i:1;b:0;i:2;b:0;i:3;b:0;i:4;b:0;}s:7:"columns";a:3:{i:0;b:0;i:1;b:0;i:2;b:0;}}s:7:"options";a:19:{s:19:"print_name_position";s:5:"above";s:26:"print_description_position";s:5:"below";s:15:"use_tablesorter";b:1;s:15:"datatables_sort";b:1;s:19:"datatables_paginate";b:1;s:23:"datatables_lengthchange";b:1;s:17:"datatables_filter";b:1;s:15:"datatables_info";b:1;s:25:"datatables_customcommands";s:0:"";s:22:"alternating_row_colors";b:0;s:9:"row_hover";b:0;s:12:"first_row_th";b:0;s:12:"table_footer";b:0;s:10:"print_name";b:0;s:17:"print_description";b:0;s:21:"datatables_tabletools";b:0;s:27:"datatables_paginate_entries";i:10;s:16:"custom_css_class";s:0:"";s:18:"cache_table_output";b:1;}s:13:"custom_fields";a:0:{}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:9:{s:2:"id";s:1:"1";s:4:"data";a:5:{i:0;a:3:{i:0;s:264:"
";i:2;s:9:"#rowspan#";}}s:4:"name";s:7:"Contact";s:11:"description";s:19:"Contact information";s:13:"last_modified";s:19:"2012-07-09 23:00:41";s:14:"last_editor_id";i:1;s:10:"visibility";a:2:{s:4:"rows";a:5:{i:0;b:0;i:1;b:0;i:2;b:0;i:3;b:0;i:4;b:0;}s:7:"columns";a:3:{i:0;b:0;i:1;b:0;i:2;b:0;}}s:7:"options";a:19:{s:19:"print_name_position";s:5:"above";s:26:"print_description_position";s:5:"below";s:15:"use_tablesorter";b:1;s:15:"datatables_sort";b:1;s:19:"datatables_paginate";b:1;s:23:"datatables_lengthchange";b:1;s:17:"datatables_filter";b:1;s:15:"datatables_info";b:1;s:25:"datatables_customcommands";s:0:"";s:22:"alternating_row_colors";b:0;s:9:"row_hover";b:0;s:12:"first_row_th";b:0;s:12:"table_footer";b:0;s:10:"print_name";b:0;s:17:"print_description";b:0;s:21:"datatables_tabletools";b:0;s:27:"datatables_paginate_entries";i:10;s:16:"custom_css_class";s:0:"";s:18:"cache_table_output";b:1;}s:13:"custom_fields";a:0:{}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3388
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3388
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fd_feedburner
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: fd_feedburner
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:5:{s:14:"feedburner_url";s:44:"http://feeds.feedburner.com/advisormarketing";s:22:"feedburner_comment_url";s:0:"";s:22:"feedburner_append_cats";s:1:"1";s:18:"feedburner_no_cats";i:0;s:20:"feedburner_no_search";i:0;}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:5:{s:14:"feedburner_url";s:44:"http://feeds.feedburner.com/advisormarketing";s:22:"feedburner_comment_url";s:0:"";s:22:"feedburner_append_cats";s:1:"1";s:18:"feedburner_no_cats";i:0;s:20:"feedburner_no_search";i:0;}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3856
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3856
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Amazon Reloaded for WordPress Settings
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Amazon Reloaded for WordPress Settings
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:4:{s:17:"amazon-secret-key";s:20:"AKIAJ4NBPODISWDITAFQ";s:14:"amazon-api-key";s:40:"ZJyAm/eRDQeau7mJgCEkzvvw30z30ZeuzBHMguKb";s:20:"amazon-associates-id";s:16:"richardsentme-20";s:13:"amazon-locale";s:3:"com";}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:4:{s:17:"amazon-secret-key";s:20:"AKIAJ4NBPODISWDITAFQ";s:14:"amazon-api-key";s:40:"ZJyAm/eRDQeau7mJgCEkzvvw30z30ZeuzBHMguKb";s:20:"amazon-associates-id";s:16:"richardsentme-20";s:13:"amazon-locale";s:3:"com";}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7580
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7580
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_timeout_rss_895a6fef0cc57461ead214388fd67e81
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_timeout_rss_895a6fef0cc57461ead214388fd67e81
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1281161168
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1281161168
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7581
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7581
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_rss_895a6fef0cc57461ead214388fd67e81
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_rss_895a6fef0cc57461ead214388fd67e81
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: O:9:"MagpieRSS":17:{s:6:"parser";i:0;s:12:"current_item";a:0:{}s:5:"items";a:20:{i:0;a:11:{s:5:"title";s:31:"Yoast: Showing off my new ride!";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/MMKCWDdwJlM/";s:11:"description";s:839:"So, just before I hop off on a 2 week holiday to France, I wanted to share something personal with you. In a long standing tradition of SEO's and Affiliate marketers who show off their new ride, going from John Chow and Shoe on the affiliate side to Marcus and Dave on the SEO side, [...]
Showing off my new ride! is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2853";s:7:"pubdate";s:31:"Thu, 22 Jul 2010 12:18:33 -0700";s:7:"content";s:51:"Array
";s:5:"media";a:2:{s:7:"content";s:26:"
";s:13:"content_title";s:15:"bakfietsskelter";}s:8:"category";s:8:"Offtopic";s:10:"feedburner";a:1:{s:8:"origlink";s:78:"http://yoast.com/new-ride/#utm_source=rss&utm_medium=rss&utm_campaign=new-ride";}s:7:"summary";s:839:"So, just before I hop off on a 2 week holiday to France, I wanted to share something personal with you. In a long standing tradition of SEO's and Affiliate marketers who show off their new ride, going from John Chow and Shoe on the affiliate side to Marcus and Dave on the SEO side, [...]
Showing off my new ride! is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:1;a:9:{s:5:"title";s:67:"WordPress Podcast: Google + WordPress, The Matt Cutts Point of View";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/pRrgCw7Lm5s/";s:11:"description";s:409:"Matt Cutts is a Software Engineer who heads the web spam team at Google. Matt has been using WordPress for years and feels WordPress makes search engine optimization easier and easier with each update. On today’s show he highlights the … Continue reading → ";s:4:"guid";s:30:"http://wp-community.org/?p=634";s:7:"pubdate";s:31:"Tue, 20 Jul 2010 15:48:35 -0700";s:7:"content";a:1:{s:7:"encoded";s:1537:"Matt Cutts is a Software Engineer who heads the web spam team at Google. Matt has been using WordPress for years and feels WordPress makes search engine optimization easier and easier with each update. On today’s show he highlights the fundamental principles of success for blogging with WordPress. And addresses questions like:
How do I get started?
What tools do I need ?
Why choose WordPress?
Which WordPress plugins do I need?
Do meta tags matter?
How do I know what content readers want?
How do I generate unique content – the way Google wants it?
What about duplicate content?
Have I been banned or penalized? Why haven’t I been indexed?
Do 301 (permanent) redirects “lose” any page rank?
Want more? Matt promised to return in the future to tackle more of your questions sometime after his trip to Mt. Kilimanjaro . Meanwhile check out lots of helpful videos on YouTube.
Continue reading → ";s:12:"atom_content";s:1537:"Matt Cutts is a Software Engineer who heads the web spam team at Google. Matt has been using WordPress for years and feels WordPress makes search engine optimization easier and easier with each update. On today’s show he highlights the fundamental principles of success for blogging with WordPress. And addresses questions like:
How do I get started?
What tools do I need ?
Why choose WordPress?
Which WordPress plugins do I need?
Do meta tags matter?
How do I know what content readers want?
How do I generate unique content – the way Google wants it?
What about duplicate content?
Have I been banned or penalized? Why haven’t I been indexed?
Do 301 (permanent) redirects “lose” any page rank?
Want more? Matt promised to return in the future to tackle more of your questions sometime after his trip to Mt. Kilimanjaro . Meanwhile check out lots of helpful videos on YouTube.
Continue reading → ";s:4:"guid";s:30:"http://wp-community.org/?p=629";s:7:"pubdate";s:31:"Tue, 13 Jul 2010 22:13:38 -0700";s:7:"content";a:1:{s:7:"encoded";s:1415:"Let me give you some advice first: listen to this podcast with your Google Analyics account open and in front of you. Justin Cutroni , this weeks guest, is an asbolute expert on Google Analytics, and he shows by explaining in a very easy way the most fascinating new functions that Google Analytics has to offer and which reports you as a blogger can use to improve your blogging.
The show discusses loads of features, from Advanced Segments and Custom Variables (and how nicely they’re integrated into yours trulies new version 4 of his Google Analytics WordPress plugin ) to the new Intelligence and Alerts tab. Not only does he explain the concepts, there are some very practical tips, like:
How to create an advanced segment to find the content on your site that is generating most AdSense revenue.
How to create an alert for sudden traffic spikes from referring sites.
If you’re serious about blogging and are using Google Analytics, or want to start using it, the hour listening to this podcast is well spent!
Continue reading → ";s:12:"atom_content";s:1415:"Let me give you some advice first: listen to this podcast with your Google Analyics account open and in front of you. Justin Cutroni , this weeks guest, is an asbolute expert on Google Analytics, and he shows by explaining in a very easy way the most fascinating new functions that Google Analytics has to offer and which reports you as a blogger can use to improve your blogging.
The show discusses loads of features, from Advanced Segments and Custom Variables (and how nicely they’re integrated into yours trulies new version 4 of his Google Analytics WordPress plugin ) to the new Intelligence and Alerts tab. Not only does he explain the concepts, there are some very practical tips, like:
How to create an advanced segment to find the content on your site that is generating most AdSense revenue.
How to create an alert for sudden traffic spikes from referring sites.
If you’re serious about blogging and are using Google Analytics, or want to start using it, the hour listening to this podcast is well spent!
I'll openly admit to not liking PPC. I'll even go as far as saying that, while I do understand its uses, I loathe, yes, hate it. The fact of the matter is that the part of SEO I like and excel at is the technical side of things, and the structure side. The keywords? I [...]
Just because I suck at PPC doesn’t mean you have to! is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2839";s:7:"pubdate";s:31:"Mon, 12 Jul 2010 12:16:22 -0700";s:7:"content";s:28:"Array
";s:5:"media";a:2:{s:7:"content";s:13:"
";s:13:"content_title";s:12:"ppc training";}s:10:"feedburner";a:1:{s:8:"origlink";s:102:"http://yoast.com/ppc-training-program/#utm_source=rss&utm_medium=rss&utm_campaign=ppc-training-program";}s:7:"summary";s:875:"I'll openly admit to not liking PPC. I'll even go as far as saying that, while I do understand its uses, I loathe, yes, hate it. The fact of the matter is that the part of SEO I like and excel at is the technical side of things, and the structure side. The keywords? I [...]
Just because I suck at PPC doesn’t mean you have to! is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:4;a:10:{s:5:"title";s:55:"Yoast: Google Analytics for WordPress reaches version 4";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/3UBkNWBArF8/";s:11:"description";s:980:"tweetmeme_url = 'http://yoast.com/google-analytics-wordpress-v4/'; Google Analytics has gotten so many new features in the last year, that the only way I could incorporate those into my Google Analytics plugin, which has been downloaded times, was by doing an almost complete rewrite. That’s why today, I’m proud to announce version 4.0 of this plugin. What’s new with [...]
Google Analytics for WordPress reaches version 4 is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2799";s:7:"pubdate";s:31:"Wed, 07 Jul 2010 04:55:18 -0700";s:7:"content";s:113:"Array
";s:5:"media";a:3:{s:7:"content";s:39:"
";s:13:"content_title";s:95:"Google Analytics ConfigurationGoogle Analytics ConfigurationWP e-commerce analytics integration";s:19:"content_description";s:95:"Google Analytics ConfigurationGoogle Analytics ConfigurationWP e-commerce analytics integration";}s:10:"feedburner";a:1:{s:8:"origlink";s:120:"http://yoast.com/google-analytics-wordpress-v4/#utm_source=rss&utm_medium=rss&utm_campaign=google-analytics-wordpress-v4";}s:7:"summary";s:980:"tweetmeme_url = 'http://yoast.com/google-analytics-wordpress-v4/'; Google Analytics has gotten so many new features in the last year, that the only way I could incorporate those into my Google Analytics plugin, which has been downloaded times, was by doing an almost complete rewrite. That’s why today, I’m proud to announce version 4.0 of this plugin. What’s new with [...]
Google Analytics for WordPress reaches version 4 is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:5;a:9:{s:5:"title";s:67:"WordPress Podcast: Adii Pienaar: Solving Problems the WooThemes Way";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/APqdmzz5XdE/";s:11:"description";s:447:"Adii Pienaar is a co-founder of WooThemes, a leading WordPress theme provider. WooThemes endeavors to maintain a tight connection with their users, an integral element of their success. Adii discusses what WooThemes is up to, what they’ve contributed to the … Continue reading → ";s:4:"guid";s:30:"http://wp-community.org/?p=621";s:7:"pubdate";s:31:"Tue, 06 Jul 2010 23:29:22 -0700";s:7:"content";a:1:{s:7:"encoded";s:1761:"Adii Pienaar is a co-founder of WooThemes , a leading WordPress theme provider. WooThemes endeavors to maintain a tight connection with their users, an integral element of their success. Adii discusses what WooThemes is up to, what they’ve contributed to the WordPress community and how WooThemes innovates in addressing user problems.
In the News:
Plugin Picks of the Week:
Continue reading → ";s:12:"atom_content";s:1761:"Adii Pienaar is a co-founder of WooThemes , a leading WordPress theme provider. WooThemes endeavors to maintain a tight connection with their users, an integral element of their success. Adii discusses what WooThemes is up to, what they’ve contributed to the WordPress community and how WooThemes innovates in addressing user problems.
In the News:
Plugin Picks of the Week:
Continue reading → ";s:4:"guid";s:30:"http://wp-community.org/?p=610";s:7:"pubdate";s:31:"Tue, 29 Jun 2010 23:34:38 -0700";s:7:"content";a:1:{s:7:"encoded";s:1398:"Pete Cashmore is founder and CEO of one of the world’s most popular blogs – Mashable.com , which happens to be powered by WordPress! Since 2005 Mashable has been a leader in social media and technology news coverage in addition to hosting events like the recent media summit and social media day . In tip-packed show, Pete shares with us:
Why he selected and continues to use WordPress,
The secret formula of success for blogs,
How to work with and develop teams,
How to develop communities,
How to measure growth and monetize,
How to build a brand
In news:
Continue reading → ";s:12:"atom_content";s:1398:"Pete Cashmore is founder and CEO of one of the world’s most popular blogs – Mashable.com , which happens to be powered by WordPress! Since 2005 Mashable has been a leader in social media and technology news coverage in addition to hosting events like the recent media summit and social media day . In tip-packed show, Pete shares with us:
Why he selected and continues to use WordPress,
The secret formula of success for blogs,
How to work with and develop teams,
How to develop communities,
How to measure growth and monetize,
How to build a brand
In news:
I updated my Emergency WordPress access script today, because of some issues we'd discovered at OrangeValley and some bugs submitted by users. When I updated the post, I realized I should be emailing all the commenters, as some of them had had the same issue, and most of them would want the updated script. Quite [...]
Emailing your commenters is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2730";s:7:"pubdate";s:31:"Tue, 29 Jun 2010 13:10:50 -0700";s:7:"content";s:28:"Array
";s:5:"media";a:2:{s:7:"content";s:13:"
";s:13:"content_title";s:16:"email-commenters";}s:10:"feedburner";a:1:{s:8:"origlink";s:100:"http://yoast.com/email-commenters-v1/#utm_source=rss&utm_medium=rss&utm_campaign=email-commenters-v1";}s:7:"summary";s:881:"I updated my Emergency WordPress access script today, because of some issues we'd discovered at OrangeValley and some bugs submitted by users. When I updated the post, I realized I should be emailing all the commenters, as some of them had had the same issue, and most of them would want the updated script. Quite [...]
Emailing your commenters is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:8;a:10:{s:5:"title";s:56:"Yoast: Debugging your XML sitemap with an XSL Stylesheet";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/MuwAzKebKXM/";s:11:"description";s:922:"When you're developing XML sitemaps, no matter on what platform, it's pretty hard to debug them sometimes to be proper XML. You have to validate all the time and you can't do a quick "glance" over to see whether your sitemap has the URL's you were expecting. As mentioned before I'm working on my WordPress [...]
Debugging your XML sitemap with an XSL Stylesheet is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2719";s:7:"pubdate";s:31:"Mon, 28 Jun 2010 13:16:30 -0700";s:7:"content";s:77:"Array
";s:5:"media";a:3:{s:7:"content";s:26:"
";s:13:"content_title";s:42:"Styled XML SitemapStyled XML Video Sitemap";s:19:"content_description";s:44:"Click for larger imageClick for larger image";}s:10:"feedburner";a:1:{s:8:"origlink";s:114:"http://yoast.com/xsl-stylesheet-xml-sitemap/#utm_source=rss&utm_medium=rss&utm_campaign=xsl-stylesheet-xml-sitemap";}s:7:"summary";s:922:"When you're developing XML sitemaps, no matter on what platform, it's pretty hard to debug them sometimes to be proper XML. You have to validate all the time and you can't do a quick "glance" over to see whether your sitemap has the URL's you were expecting. As mentioned before I'm working on my WordPress [...]
Debugging your XML sitemap with an XSL Stylesheet is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:9;a:11:{s:5:"title";s:51:"Yoast: BlueGlass: When great minds come together…";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/WHzdP4yQPCU/";s:11:"description";s:890:"I don't usually post too much on the ins and outs of the SEO industry. I'm in it I guess, but there are other blogs way more geared to report on that. However, for this merger that just happened, I'll make an exception. I'm talking about a new company called BlueGlass. The reason this interests [...]
BlueGlass: When great minds come together… is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2710";s:7:"pubdate";s:31:"Thu, 24 Jun 2010 13:16:43 -0700";s:7:"content";s:28:"Array
";s:5:"media";a:2:{s:7:"content";s:13:"
";s:13:"content_title";s:14:"BlueGlass-logo";}s:8:"category";s:3:"SEO";s:10:"feedburner";a:1:{s:8:"origlink";s:82:"http://yoast.com/blue-glass/#utm_source=rss&utm_medium=rss&utm_campaign=blue-glass";}s:7:"summary";s:890:"I don't usually post too much on the ins and outs of the SEO industry. I'm in it I guess, but there are other blogs way more geared to report on that. However, for this merger that just happened, I'll make an exception. I'm talking about a new company called BlueGlass. The reason this interests [...]
BlueGlass: When great minds come together… is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:10;a:9:{s:5:"title";s:56:"WordPress Podcast: Digging into CSS Trickery & WordPress";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/_I4oKjt39kw/";s:11:"description";s:391:"Today Joost is joined by Chris Coyier, one of the authors of Digging into WordPress and the founder of CSS Tricks. Chris and Joost talk about a lot of different subjects, ranging from their individual history with CSS sites to … Continue reading → ";s:4:"guid";s:30:"http://wp-community.org/?p=604";s:7:"pubdate";s:31:"Wed, 23 Jun 2010 03:11:40 -0700";s:7:"content";a:1:{s:7:"encoded";s:987:"Today Joost is joined by Chris Coyier, one of the authors of Digging into WordPress and the founder of CSS Tricks . Chris and Joost talk about a lot of different subjects, ranging from their individual history with CSS sites to what Chris dubbed “the big three” updates in WordPress 3.0 (custom post types, menus, multi site) and to how Chris designs a site.
Plugin picks of the week
Continue reading → ";s:12:"atom_content";s:987:"Today Joost is joined by Chris Coyier, one of the authors of Digging into WordPress and the founder of CSS Tricks . Chris and Joost talk about a lot of different subjects, ranging from their individual history with CSS sites to what Chris dubbed “the big three” updates in WordPress 3.0 (custom post types, menus, multi site) and to how Chris designs a site.
Plugin picks of the week
Marcus just posted the trailer to SEOktoberfest 2010, and it's going to be another awesome edition of this epic conference / party / network event. I wasn't there last year (my daughter was about to be born, seems a valid excuse) but I'll definitely be there this year! Check out the trailer: You've seen it [...]
SEOktoberfest 2010: looking forward to it is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2693";s:7:"pubdate";s:31:"Tue, 22 Jun 2010 07:08:15 -0700";s:7:"content";s:54:"Array
";s:5:"media";a:3:{s:7:"content";s:13:"
";s:13:"content_title";s:69:"SEOktoberfest 2010: looking forward to it - Yoast - Tweaking Websites";s:19:"content_description";s:139:"The best SEO conference out there: SEOktoberfest, in Munich, this year in September from the 21st till the 23rd. Check out the intro video!";}s:10:"feedburner";a:1:{s:8:"origlink";s:98:"http://yoast.com/seoktoberfest-2010/#utm_source=rss&utm_medium=rss&utm_campaign=seoktoberfest-2010";}s:7:"summary";s:903:"Marcus just posted the trailer to SEOktoberfest 2010, and it's going to be another awesome edition of this epic conference / party / network event. I wasn't there last year (my daughter was about to be born, seems a valid excuse) but I'll definitely be there this year! Check out the trailer: You've seen it [...]
SEOktoberfest 2010: looking forward to it is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:12;a:9:{s:5:"title";s:35:"Yoast: Video SEO: A technical guide";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/-Qf1kU6cb7I/";s:11:"description";s:827:"As mentioned in a previous post, recently I have started playing with Video SEO, and found it to be a part of SEO I quite like. It’s a very technical trade so far, so apologies for all the code in the article lying in front of you, but there just is no way around it: [...]
Video SEO: A technical guide is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2663";s:7:"pubdate";s:31:"Mon, 21 Jun 2010 13:23:54 -0700";s:7:"content";a:1:{s:7:"encoded";s:22952:"As mentioned in a previous post, recently I have started playing with Video SEO, and found it to be a part of SEO I quite like. It’s a very technical trade so far, so apologies for all the code in the article lying in front of you, but there just is no way around it: you’ll need to know about the technical part of these implementations.
Talking about that, it seems as though everyone is focussing on XML Sitemaps, while there's actually not 1 but 4 methods of getting Google to recognize your video content.
Video SEO consists of 3 parts: indexation, ranking and click through optimization. While I might cover #2 and #3 in a later article, I’m focusing on the technical aspects of Video SEO for this article, and thus on the methods of getting your video’s indexed. I’ll focus mainly on Video SEO for Google, as I haven’t really looked at other search engines so far in testing.
XML Video Sitemaps There’s several ways to tell Google you’ve got video on your site. The most well known, and probably also easiest, is the XML Video Sitemap. Just like a normal XML Sitemap, this sitemap contains URL’s, and for each URL it contains a video section, outlining all the details about that video, from its location and / or player location to its keywords.
> > > > > > > > allow_embed ="yes" > > > > > > > > > > > > > > > > > > > > Most of the attributes of a video are optional, but you need either a location or a player, preferably both, and a “poster“ image. We’ll touch on the image later on, but remember to add this for each and every video.
Once you’ve created an XML video sitemap, make sure to submit it to Google through Google’s Webmaster Tools. While you can submit it manually, you can also ping Google with the URL of the sitemap every time you’ve updated it. Pinging Google is very simple, just open the following URL (replacing the sitemap URL with your own, of course):
http://www.google.com/webmasters/tools/ping?sitemap=http://example.com/sitemap.xml Within Google Webmaster Tools you can also check whether Google understands your sitemap, or if it’s missing any vital components.
Another way of telling Google that your site carries video, that also uses XML, is by adding MediaRSS tags to your RSS feed, and then submitting your RSS feed to Google as a sitemap.
MediaRSS is a standard conceived by Yahoo!, which Google fully supports for the discovery of all sorts of Rich Media, ranging from images to video. Because it’s an add on to your RSS feed, this has one downside compared to XML video sitemaps: usually it’ll only contain your last 10, 20 or 100 posts, while you might have hundreds of posts and pages containing video. The upside is there too: for a lot of sites, their RSS feed get’s indexed very regularly, allowing for fast inclusion of your video in Google’s index.
url ="http://example.com/video/video.mp4"
medium ="video"
duration ="180" >
url ="http://example.com/video/player.swf?file=video.mp4" />
url ="http://example.com/video/poster.png" />
type ="html" > > type ="html" > > > > > Yahoo! Searchmonkey Yes, I said I’d be focusing on Google, and yes this is the second Yahoo! standard I’ve mentioned. The reason is simple: Google supports it. If you mark up your pages with Yahoo! Searchmonkey Video tags, Google will, as stated here , recognize these and list your video in the search results.
Other than XML Video Sitemaps and MediaRSS enhancements, Yahoo! Searchmonkey code goes straight into your pages. This has the benefit that Google will recognize your videos without any additional submission of feeds or sitemaps. Depending on how you embed video, this might be fairly easy to add or might take some more work. The reason is that it starts with attributes on the object element, and some JavaScript based injection methods might not have an object element.
Let's have a look at what it looks like (example stolen from Google's example page):
width ="512" height ="296" rel ="media:video"
resource ="http://example.com/video_object.swf?id=12345"
xmlns:media ="http://search.yahoo.com/searchmonkey/media/"
xmlns:dc ="http://purl.org/dc/terms/" >
name ="movie" value ="http://example.com/video_object.swf?id=12345" /> src ="http://example.com/video_object.swf?id=12345" type ="application/x-shockwave-flash" width ="512" height ="296" >
rel ="media:thumbnail" href ="http://example.com/thumbnail_preview.jpg" /> rel ="dc:license" href ="http://example.com/terms_of_service.html" /> property ="dc:description" content ="Example description." />
property ="media:title" content ="Example title" /> property ="media:width" content ="512" /> property ="media:height" content ="296" /> property ="media:type" content ="application/x-shockwave-flash" /> property ="media:region" content ="us" /> property ="media:region" content ="uk" /> property ="media:duration" content ="63" /> > Most of these aren't required, and some are even outright not needed at all. There's only one valid media type: application/x-shockwave-flash. It's not required, there's only one option for it anyway: pretty safe to leave it out. You can easily leave out width and height as well for as much as Google is concerned, and you probably won't need the regions.
Of course, if you use javascript to embed your video's and thus don't have an object tag to add this RDFa to, you could add a
Facebook Share Facebook Share is probably one of the simplest methods of telling Google about video on a page. It uses meta elements in the head section of a page to point to a video file, poster image, size etc.:
name ="title" content ="Example title" /> name ="description" content ="Example description" /> rel ="image_src" href ="http://example.com/thumbnail_preview.jpg" /> rel ="video_src" href ="http://example.com/video_object.swf?id=12345" /> name ="video_height" content ="296" /> name ="video_width" content ="512" /> name ="video_type" content ="application/x-shockwave-flash" /> Like with Searchmonkey, the video_type is kind of bogus, as are width and height, so you could narrow this down a bit. The Facebook Share method of embedding has the added benefit that it’ll sometimes allow people to share your video on Facebook and play it directly on Facebook too.
Conclusion: one or more methods? It’s perfectly possible to mix these methods of telling search engines about your videos, in fact you could even use all 4 of them, and there’d be nothing wrong with that. If you ask me which one to use, I'd say: at least use XML sitemaps, and as many of the other ones as you can. In my tests, MediaRSS has been very fast in indexation, so I'd highly recommend using that if applicable to your situation and if speed of indexation is an issue to you.
Something to keep in mind: independent of which method above you use, Google will try to verify whether the video you claim to have on the page is actually on the page, so it’ll look for an object tag, or at the very least a JavaScript element with the link to your video file and / or player in it. If it can’t find these, it won’t index you video.
Please do let me know in the comments how this works for you, and what you've been testing with!
Video SEO: A technical guide is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
As mentioned in a previous post, recently I have started playing with Video SEO, and found it to be a part of SEO I quite like. It’s a very technical trade so far, so apologies for all the code in the article lying in front of you, but there just is no way around it: [...]
Video SEO: A technical guide is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:22952:"As mentioned in a previous post, recently I have started playing with Video SEO, and found it to be a part of SEO I quite like. It’s a very technical trade so far, so apologies for all the code in the article lying in front of you, but there just is no way around it: you’ll need to know about the technical part of these implementations.
Talking about that, it seems as though everyone is focussing on XML Sitemaps, while there's actually not 1 but 4 methods of getting Google to recognize your video content.
Video SEO consists of 3 parts: indexation, ranking and click through optimization. While I might cover #2 and #3 in a later article, I’m focusing on the technical aspects of Video SEO for this article, and thus on the methods of getting your video’s indexed. I’ll focus mainly on Video SEO for Google, as I haven’t really looked at other search engines so far in testing.
XML Video Sitemaps There’s several ways to tell Google you’ve got video on your site. The most well known, and probably also easiest, is the XML Video Sitemap. Just like a normal XML Sitemap, this sitemap contains URL’s, and for each URL it contains a video section, outlining all the details about that video, from its location and / or player location to its keywords.
> > > > > > > > allow_embed ="yes" > > > > > > > > > > > > > > > > > > > > Most of the attributes of a video are optional, but you need either a location or a player, preferably both, and a “poster“ image. We’ll touch on the image later on, but remember to add this for each and every video.
Once you’ve created an XML video sitemap, make sure to submit it to Google through Google’s Webmaster Tools. While you can submit it manually, you can also ping Google with the URL of the sitemap every time you’ve updated it. Pinging Google is very simple, just open the following URL (replacing the sitemap URL with your own, of course):
http://www.google.com/webmasters/tools/ping?sitemap=http://example.com/sitemap.xml Within Google Webmaster Tools you can also check whether Google understands your sitemap, or if it’s missing any vital components.
Another way of telling Google that your site carries video, that also uses XML, is by adding MediaRSS tags to your RSS feed, and then submitting your RSS feed to Google as a sitemap.
MediaRSS is a standard conceived by Yahoo!, which Google fully supports for the discovery of all sorts of Rich Media, ranging from images to video. Because it’s an add on to your RSS feed, this has one downside compared to XML video sitemaps: usually it’ll only contain your last 10, 20 or 100 posts, while you might have hundreds of posts and pages containing video. The upside is there too: for a lot of sites, their RSS feed get’s indexed very regularly, allowing for fast inclusion of your video in Google’s index.
url ="http://example.com/video/video.mp4"
medium ="video"
duration ="180" >
url ="http://example.com/video/player.swf?file=video.mp4" />
url ="http://example.com/video/poster.png" />
type ="html" > > type ="html" > > > > > Yahoo! Searchmonkey Yes, I said I’d be focusing on Google, and yes this is the second Yahoo! standard I’ve mentioned. The reason is simple: Google supports it. If you mark up your pages with Yahoo! Searchmonkey Video tags, Google will, as stated here , recognize these and list your video in the search results.
Other than XML Video Sitemaps and MediaRSS enhancements, Yahoo! Searchmonkey code goes straight into your pages. This has the benefit that Google will recognize your videos without any additional submission of feeds or sitemaps. Depending on how you embed video, this might be fairly easy to add or might take some more work. The reason is that it starts with attributes on the object element, and some JavaScript based injection methods might not have an object element.
Let's have a look at what it looks like (example stolen from Google's example page):
width ="512" height ="296" rel ="media:video"
resource ="http://example.com/video_object.swf?id=12345"
xmlns:media ="http://search.yahoo.com/searchmonkey/media/"
xmlns:dc ="http://purl.org/dc/terms/" >
name ="movie" value ="http://example.com/video_object.swf?id=12345" /> src ="http://example.com/video_object.swf?id=12345" type ="application/x-shockwave-flash" width ="512" height ="296" >
rel ="media:thumbnail" href ="http://example.com/thumbnail_preview.jpg" /> rel ="dc:license" href ="http://example.com/terms_of_service.html" /> property ="dc:description" content ="Example description." />
property ="media:title" content ="Example title" /> property ="media:width" content ="512" /> property ="media:height" content ="296" /> property ="media:type" content ="application/x-shockwave-flash" /> property ="media:region" content ="us" /> property ="media:region" content ="uk" /> property ="media:duration" content ="63" /> > Most of these aren't required, and some are even outright not needed at all. There's only one valid media type: application/x-shockwave-flash. It's not required, there's only one option for it anyway: pretty safe to leave it out. You can easily leave out width and height as well for as much as Google is concerned, and you probably won't need the regions.
Of course, if you use javascript to embed your video's and thus don't have an object tag to add this RDFa to, you could add a
Facebook Share Facebook Share is probably one of the simplest methods of telling Google about video on a page. It uses meta elements in the head section of a page to point to a video file, poster image, size etc.:
name ="title" content ="Example title" /> name ="description" content ="Example description" /> rel ="image_src" href ="http://example.com/thumbnail_preview.jpg" /> rel ="video_src" href ="http://example.com/video_object.swf?id=12345" /> name ="video_height" content ="296" /> name ="video_width" content ="512" /> name ="video_type" content ="application/x-shockwave-flash" /> Like with Searchmonkey, the video_type is kind of bogus, as are width and height, so you could narrow this down a bit. The Facebook Share method of embedding has the added benefit that it’ll sometimes allow people to share your video on Facebook and play it directly on Facebook too.
Conclusion: one or more methods? It’s perfectly possible to mix these methods of telling search engines about your videos, in fact you could even use all 4 of them, and there’d be nothing wrong with that. If you ask me which one to use, I'd say: at least use XML sitemaps, and as many of the other ones as you can. In my tests, MediaRSS has been very fast in indexation, so I'd highly recommend using that if applicable to your situation and if speed of indexation is an issue to you.
Something to keep in mind: independent of which method above you use, Google will try to verify whether the video you claim to have on the page is actually on the page, so it’ll look for an object tag, or at the very least a JavaScript element with the link to your video file and / or player in it. If it can’t find these, it won’t index you video.
Please do let me know in the comments how this works for you, and what you've been testing with!
Video SEO: A technical guide is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
I've been testing a lot with video SEO lately, and I'll be doing a whole lot more of that testing, as video SEO seems to be a nice area to play in. Now I noticed my buddy Mark Robertson over at ReelSEO did a short, but nice interview with Matt Cutts on video sitemaps: Now [...]
Video SEO and WordPress is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2480";s:7:"pubdate";s:31:"Wed, 16 Jun 2010 14:12:01 -0700";s:7:"content";a:1:{s:7:"encoded";s:2307:"I've been testing a lot with video SEO lately, and I'll be doing a whole lot more of that testing, as video SEO seems to be a nice area to play in. Now I noticed my buddy Mark Robertson over at ReelSEO did a short, but nice interview with Matt Cutts on video sitemaps :
Now you're probably asking: what on earth's name does this stuff about video SEO have to do with WordPress? Well, it's quite simple: one of my upcoming WordPress SEO plugin's features will be to automatically generate video sitemaps, for video's added with several supported video plugins, like the awesome Viper's Video Quicktags .
So, for a preview of what will be able to do, check out my video sitemap , and try and search for some of the terms in there, you'll see my video's have started ranking nicely. There's a lot of voodoo involved and this needs a lot more testing, so don't expect this out tomorrow, but it is possible, and it will be available within a few (I'd say 2-3) months.
For those who missed it, I published a technical guide to Video SEO a couple days after this post!
Video SEO and WordPress is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
I've been testing a lot with video SEO lately, and I'll be doing a whole lot more of that testing, as video SEO seems to be a nice area to play in. Now I noticed my buddy Mark Robertson over at ReelSEO did a short, but nice interview with Matt Cutts on video sitemaps: Now [...]
Video SEO and WordPress is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:2307:"I've been testing a lot with video SEO lately, and I'll be doing a whole lot more of that testing, as video SEO seems to be a nice area to play in. Now I noticed my buddy Mark Robertson over at ReelSEO did a short, but nice interview with Matt Cutts on video sitemaps :
Now you're probably asking: what on earth's name does this stuff about video SEO have to do with WordPress? Well, it's quite simple: one of my upcoming WordPress SEO plugin's features will be to automatically generate video sitemaps, for video's added with several supported video plugins, like the awesome Viper's Video Quicktags .
So, for a preview of what will be able to do, check out my video sitemap , and try and search for some of the terms in there, you'll see my video's have started ranking nicely. There's a lot of voodoo involved and this needs a lot more testing, so don't expect this out tomorrow, but it is possible, and it will be available within a few (I'd say 2-3) months.
For those who missed it, I published a technical guide to Video SEO a couple days after this post!
Video SEO and WordPress is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
Every once in a while I get an email about W3C validation. The people emailing me either point me at the fact that my own site doesn’t validate correctly (thank Facebook for most of that), or they ask me whether I think W3C Validation is important. Most of them ask even more specifically: whether I [...]
W3C Validation: why you should care, and why not is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2467";s:7:"pubdate";s:31:"Sun, 13 Jun 2010 13:08:57 -0700";s:7:"content";s:54:"Array
";s:5:"media";a:3:{s:7:"content";s:13:"
";s:13:"content_title";s:48:"W3C Validation & SEO - Yoast - Tweaking Websites";s:19:"content_description";s:134:"It's been discussed many times before: should you W3C validate your site for perfect SEO? It's not that simple, read why here.";}s:10:"feedburner";a:1:{s:8:"origlink";s:98:"http://yoast.com/w3c-validation-seo/#utm_source=rss&utm_medium=rss&utm_campaign=w3c-validation-seo";}s:7:"summary";s:888:"Every once in a while I get an email about W3C validation. The people emailing me either point me at the fact that my own site doesn’t validate correctly (thank Facebook for most of that), or they ask me whether I think W3C Validation is important. Most of them ask even more specifically: whether I [...]
W3C Validation: why you should care, and why not is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:15;a:9:{s:5:"title";s:41:"Yoast: Part II of my WordPress CMS series";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/2HrAZGvUkYU/";s:11:"description";s:681:"I've just published Part II of my WordPress CMS series: Design & development of your WordPress CMS. Enjoy!
Part II of my WordPress CMS series is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2463";s:7:"pubdate";s:31:"Sat, 12 Jun 2010 13:06:03 -0700";s:7:"content";a:1:{s:7:"encoded";s:953:"I've just published Part II of my WordPress CMS series: Design & development of your WordPress CMS . Enjoy!
Part II of my WordPress CMS series is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
I've just published Part II of my WordPress CMS series: Design & development of your WordPress CMS. Enjoy!
Part II of my WordPress CMS series is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:953:"I've just published Part II of my WordPress CMS series: Design & development of your WordPress CMS . Enjoy!
Part II of my WordPress CMS series is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
So I think I've not said it enough yet: W3 Total Cache is the best caching plugin for WordPress out there at the moment. To illustrate, I've made a short video outlining how I usually set it up (if the video is not working for you, check it out on Youtube or Vimeo): Hope you [...]
W3 Total Cache and why you should be using it is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2424";s:7:"pubdate";s:31:"Wed, 09 Jun 2010 06:44:00 -0700";s:7:"content";s:41:"Array
";s:5:"media";a:3:{s:7:"content";s:13:"
";s:13:"content_title";s:42:"W3 Total Cache - WordPress Caching - Yoast";s:19:"content_description";s:104:"It's the best caching plugin for WordPress: W3 Total Cache. The video shows how I usually set it up!";}s:10:"feedburner";a:2:{s:8:"origlink";s:90:"http://yoast.com/w3-total-cache/#utm_source=rss&utm_medium=rss&utm_campaign=w3-total-cache";s:17:"origenclosurelink";s:56:"http://cdn.yoast.com/wp-content/uploads/2010/06/w3tc.mov";}s:7:"summary";s:863:"So I think I've not said it enough yet: W3 Total Cache is the best caching plugin for WordPress out there at the moment. To illustrate, I've made a short video outlining how I usually set it up (if the video is not working for you, check it out on Youtube or Vimeo): Hope you [...]
W3 Total Cache and why you should be using it is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:17;a:9:{s:5:"title";s:44:"Yoast: Change domain, and warn your visitors";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/fR_FyCrWspM/";s:11:"description";s:917:"When you change domains, for instance using my moving WordPress to a new domain guide, you'll usually redirect your visitors with something looking like this: Redirect 301 / http://new.example.com/ The only issue with this is that people might not notice that you've moved to a new domain, and thus might not update their links to [...]
Change domain, and warn your visitors is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2416";s:7:"pubdate";s:31:"Wed, 09 Jun 2010 01:25:32 -0700";s:7:"content";a:1:{s:7:"encoded";s:5406:"When you change domains, for instance using my moving WordPress to a new domain guide, you'll usually redirect your visitors with something looking like this:
Redirect 301 / http://new.example .com/The only issue with this is that people might not notice that you've moved to a new domain, and thus might not update their links to you. As Matt Cutts confirmed a while back that 301 redirects do not pass full PageRank , and they seem to take a hell of a time to kick in these days, that's somewhat of an issue: we'd rather have people update their links.
The proper redirect So we want to tell people that you've moved to a new domain, but only people who came through old links to your site. And we still want to keep that 301 redirect in place, to preserve as much of the value from the old site as we can.
So, what if we redirected to http://new.example.com/#moved? The search engines don't care about anything from the hash onwards, so the value of the redirect would still be maintained. We could then use javascript to detect the value of the hash tag, and display a notice to our visitors.
There's an issue with that as well though: with the redirect 301 / line above, we redirected everything after /, to new.example.com/, so for instance /test/ would be redirected to new.example.com/test/. If we added #moved to the end of that URL, we would end up with new.example.com/#moved/test/ and that wouldn't work. So we'll need to make a bit of a fancier redirect:
RedirectMatch 301 /(.*)? http://new.example .com/$1 #moved That should work. Notice though that when you have code in place adding a / to the end of your URL's if not existent, that code should conserve any hash tags in the URL.
Showing the domain move message So now, let's move on to the javascript part to actually show people a "we've moved" message, which is actually pretty simple. You create a div with the message you want to show, and put it in your footer, something like this:
We've moved from old.example.com to new.example.com,
please update your feeds & links!
As you can see, we default it to display: none; so not everybody sees it, and then you add this tiny snippet of javascript, also in the footer of your page, after you've loaded the div above:
if ( document.location .hash == '#moved' ) {
document.getElementById ( 'domainmovemsg' ) .style .display = 'block' ;
} Example code I've coded an example of this with some more styling etc., which you can find here . If you want to see it in action immediately, you'll have to click this link .
Change domain, and warn your visitors is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
When you change domains, for instance using my moving WordPress to a new domain guide, you'll usually redirect your visitors with something looking like this: Redirect 301 / http://new.example.com/ The only issue with this is that people might not notice that you've moved to a new domain, and thus might not update their links to [...]
Change domain, and warn your visitors is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:5406:"When you change domains, for instance using my moving WordPress to a new domain guide, you'll usually redirect your visitors with something looking like this:
Redirect 301 / http://new.example .com/The only issue with this is that people might not notice that you've moved to a new domain, and thus might not update their links to you. As Matt Cutts confirmed a while back that 301 redirects do not pass full PageRank , and they seem to take a hell of a time to kick in these days, that's somewhat of an issue: we'd rather have people update their links.
The proper redirect So we want to tell people that you've moved to a new domain, but only people who came through old links to your site. And we still want to keep that 301 redirect in place, to preserve as much of the value from the old site as we can.
So, what if we redirected to http://new.example.com/#moved? The search engines don't care about anything from the hash onwards, so the value of the redirect would still be maintained. We could then use javascript to detect the value of the hash tag, and display a notice to our visitors.
There's an issue with that as well though: with the redirect 301 / line above, we redirected everything after /, to new.example.com/, so for instance /test/ would be redirected to new.example.com/test/. If we added #moved to the end of that URL, we would end up with new.example.com/#moved/test/ and that wouldn't work. So we'll need to make a bit of a fancier redirect:
RedirectMatch 301 /(.*)? http://new.example .com/$1 #moved That should work. Notice though that when you have code in place adding a / to the end of your URL's if not existent, that code should conserve any hash tags in the URL.
Showing the domain move message So now, let's move on to the javascript part to actually show people a "we've moved" message, which is actually pretty simple. You create a div with the message you want to show, and put it in your footer, something like this:
We've moved from old.example.com to new.example.com,
please update your feeds & links!
As you can see, we default it to display: none; so not everybody sees it, and then you add this tiny snippet of javascript, also in the footer of your page, after you've loaded the div above:
if ( document.location .hash == '#moved' ) {
document.getElementById ( 'domainmovemsg' ) .style .display = 'block' ;
} Example code I've coded an example of this with some more styling etc., which you can find here . If you want to see it in action immediately, you'll have to click this link .
Change domain, and warn your visitors is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
I've posted about them before, and will probably be telling everybody I can about them for a while to come: BuySellAds. It's their second birthday today, and they made a pretty darn cool video to celebrate: A very happy "birthday" to Todd and the crew at BuySellAds, thanks for helping me and those other great [...]
Happy Birthday BuySellAds! is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2394";s:7:"pubdate";s:31:"Fri, 04 Jun 2010 04:57:54 -0700";s:7:"content";s:54:"Array
";s:5:"media";a:3:{s:7:"content";s:13:"
";s:13:"content_title";s:54:"Happy Birthday BuySellAds! - Yoast - Tweaking Websites";s:19:"content_description";s:318:"I've posted about them before, and will probably be telling everybody I can about them for a while to come: BuySellAds. It's their second birthday today, and they made a pretty darn cool video to celebrate: A very happy "birthday" to Todd and the crew at BuySellAds, thanks for helping me and those o";}s:8:"category";s:16:"Online Marketing";s:10:"feedburner";a:1:{s:8:"origlink";s:112:"http://yoast.com/happy-birthday-buysellads/#utm_source=rss&utm_medium=rss&utm_campaign=happy-birthday-buysellads";}s:7:"summary";s:890:"I've posted about them before, and will probably be telling everybody I can about them for a while to come: BuySellAds. It's their second birthday today, and they made a pretty darn cool video to celebrate: A very happy "birthday" to Todd and the crew at BuySellAds, thanks for helping me and those other great [...]
Happy Birthday BuySellAds! is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:19;a:9:{s:5:"title";s:46:"Yoast: Using WordPress as a CMS article series";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/YNB2H6fMLuA/";s:11:"description";s:897:"I picked the winner for the ShopHTML competition today, a winner who asked for a post I can not possibly do in one single post. So I've started an article series on the topic: using WordPress as a CMS, and am ready to release the first article to you already: going from your website's goal [...]
Using WordPress as a CMS article series is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2360";s:7:"pubdate";s:31:"Tue, 01 Jun 2010 15:13:19 -0700";s:7:"content";a:1:{s:7:"encoded";s:1842:"I picked the winner for the ShopHTML competition today, a winner who asked for a post I can not possibly do in one single post. So I've started an article series on the topic: using WordPress as a CMS , and am ready to release the first article to you already: going from your website's goal to its site structure .
This doesn't touch on WordPress as much as on general site design principles, but as these steps are often misunderstood and they very much determine whether your site is ever going to be successful, I decided it needed to be in there. The next article in the series will be more WordPress focussed, going on about design, and turning a design into a theme and more. Stay tuned for that, but for now, start reading: Your website: from goal to structure .
Using WordPress as a CMS article series is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
I picked the winner for the ShopHTML competition today, a winner who asked for a post I can not possibly do in one single post. So I've started an article series on the topic: using WordPress as a CMS, and am ready to release the first article to you already: going from your website's goal [...]
Using WordPress as a CMS article series is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1842:"I picked the winner for the ShopHTML competition today, a winner who asked for a post I can not possibly do in one single post. So I've started an article series on the topic: using WordPress as a CMS , and am ready to release the first article to you already: going from your website's goal to its site structure .
This doesn't touch on WordPress as much as on general site design principles, but as these steps are often misunderstood and they very much determine whether your site is ever going to be successful, I decided it needed to be in there. The next article in the series will be more WordPress focussed, going on about design, and turning a design into a theme and more. Stay tuned for that, but for now, start reading: Your website: from goal to structure .
Using WordPress as a CMS article series is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
So, just before I hop off on a 2 week holiday to France, I wanted to share something personal with you. In a long standing tradition of SEO's and Affiliate marketers who show off their new ride, going from John Chow and Shoe on the affiliate side to Marcus and Dave on the SEO side, [...]
Showing off my new ride! is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2853";s:7:"pubdate";s:31:"Thu, 22 Jul 2010 12:18:33 -0700";s:7:"content";s:51:"Array
";s:5:"media";a:2:{s:7:"content";s:26:"
";s:13:"content_title";s:15:"bakfietsskelter";}s:8:"category";s:8:"Offtopic";s:10:"feedburner";a:1:{s:8:"origlink";s:78:"http://yoast.com/new-ride/#utm_source=rss&utm_medium=rss&utm_campaign=new-ride";}s:7:"summary";s:839:"So, just before I hop off on a 2 week holiday to France, I wanted to share something personal with you. In a long standing tradition of SEO's and Affiliate marketers who show off their new ride, going from John Chow and Shoe on the affiliate side to Marcus and Dave on the SEO side, [...]
Showing off my new ride! is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:1;a:9:{s:5:"title";s:67:"WordPress Podcast: Google + WordPress, The Matt Cutts Point of View";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/pRrgCw7Lm5s/";s:11:"description";s:409:"Matt Cutts is a Software Engineer who heads the web spam team at Google. Matt has been using WordPress for years and feels WordPress makes search engine optimization easier and easier with each update. On today’s show he highlights the … Continue reading → ";s:4:"guid";s:30:"http://wp-community.org/?p=634";s:7:"pubdate";s:31:"Tue, 20 Jul 2010 15:48:35 -0700";s:7:"content";a:1:{s:7:"encoded";s:1537:"Matt Cutts is a Software Engineer who heads the web spam team at Google. Matt has been using WordPress for years and feels WordPress makes search engine optimization easier and easier with each update. On today’s show he highlights the fundamental principles of success for blogging with WordPress. And addresses questions like:
How do I get started?
What tools do I need ?
Why choose WordPress?
Which WordPress plugins do I need?
Do meta tags matter?
How do I know what content readers want?
How do I generate unique content – the way Google wants it?
What about duplicate content?
Have I been banned or penalized? Why haven’t I been indexed?
Do 301 (permanent) redirects “lose” any page rank?
Want more? Matt promised to return in the future to tackle more of your questions sometime after his trip to Mt. Kilimanjaro . Meanwhile check out lots of helpful videos on YouTube.
Continue reading → ";s:12:"atom_content";s:1537:"Matt Cutts is a Software Engineer who heads the web spam team at Google. Matt has been using WordPress for years and feels WordPress makes search engine optimization easier and easier with each update. On today’s show he highlights the fundamental principles of success for blogging with WordPress. And addresses questions like:
How do I get started?
What tools do I need ?
Why choose WordPress?
Which WordPress plugins do I need?
Do meta tags matter?
How do I know what content readers want?
How do I generate unique content – the way Google wants it?
What about duplicate content?
Have I been banned or penalized? Why haven’t I been indexed?
Do 301 (permanent) redirects “lose” any page rank?
Want more? Matt promised to return in the future to tackle more of your questions sometime after his trip to Mt. Kilimanjaro . Meanwhile check out lots of helpful videos on YouTube.
Continue reading → ";s:4:"guid";s:30:"http://wp-community.org/?p=629";s:7:"pubdate";s:31:"Tue, 13 Jul 2010 22:13:38 -0700";s:7:"content";a:1:{s:7:"encoded";s:1415:"Let me give you some advice first: listen to this podcast with your Google Analyics account open and in front of you. Justin Cutroni , this weeks guest, is an asbolute expert on Google Analytics, and he shows by explaining in a very easy way the most fascinating new functions that Google Analytics has to offer and which reports you as a blogger can use to improve your blogging.
The show discusses loads of features, from Advanced Segments and Custom Variables (and how nicely they’re integrated into yours trulies new version 4 of his Google Analytics WordPress plugin ) to the new Intelligence and Alerts tab. Not only does he explain the concepts, there are some very practical tips, like:
How to create an advanced segment to find the content on your site that is generating most AdSense revenue.
How to create an alert for sudden traffic spikes from referring sites.
If you’re serious about blogging and are using Google Analytics, or want to start using it, the hour listening to this podcast is well spent!
Continue reading → ";s:12:"atom_content";s:1415:"Let me give you some advice first: listen to this podcast with your Google Analyics account open and in front of you. Justin Cutroni , this weeks guest, is an asbolute expert on Google Analytics, and he shows by explaining in a very easy way the most fascinating new functions that Google Analytics has to offer and which reports you as a blogger can use to improve your blogging.
The show discusses loads of features, from Advanced Segments and Custom Variables (and how nicely they’re integrated into yours trulies new version 4 of his Google Analytics WordPress plugin ) to the new Intelligence and Alerts tab. Not only does he explain the concepts, there are some very practical tips, like:
How to create an advanced segment to find the content on your site that is generating most AdSense revenue.
How to create an alert for sudden traffic spikes from referring sites.
If you’re serious about blogging and are using Google Analytics, or want to start using it, the hour listening to this podcast is well spent!
I'll openly admit to not liking PPC. I'll even go as far as saying that, while I do understand its uses, I loathe, yes, hate it. The fact of the matter is that the part of SEO I like and excel at is the technical side of things, and the structure side. The keywords? I [...]
Just because I suck at PPC doesn’t mean you have to! is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2839";s:7:"pubdate";s:31:"Mon, 12 Jul 2010 12:16:22 -0700";s:7:"content";s:28:"Array
";s:5:"media";a:2:{s:7:"content";s:13:"
";s:13:"content_title";s:12:"ppc training";}s:10:"feedburner";a:1:{s:8:"origlink";s:102:"http://yoast.com/ppc-training-program/#utm_source=rss&utm_medium=rss&utm_campaign=ppc-training-program";}s:7:"summary";s:875:"I'll openly admit to not liking PPC. I'll even go as far as saying that, while I do understand its uses, I loathe, yes, hate it. The fact of the matter is that the part of SEO I like and excel at is the technical side of things, and the structure side. The keywords? I [...]
Just because I suck at PPC doesn’t mean you have to! is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:4;a:10:{s:5:"title";s:55:"Yoast: Google Analytics for WordPress reaches version 4";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/3UBkNWBArF8/";s:11:"description";s:980:"tweetmeme_url = 'http://yoast.com/google-analytics-wordpress-v4/'; Google Analytics has gotten so many new features in the last year, that the only way I could incorporate those into my Google Analytics plugin, which has been downloaded times, was by doing an almost complete rewrite. That’s why today, I’m proud to announce version 4.0 of this plugin. What’s new with [...]
Google Analytics for WordPress reaches version 4 is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2799";s:7:"pubdate";s:31:"Wed, 07 Jul 2010 04:55:18 -0700";s:7:"content";s:113:"Array
";s:5:"media";a:3:{s:7:"content";s:39:"
";s:13:"content_title";s:95:"Google Analytics ConfigurationGoogle Analytics ConfigurationWP e-commerce analytics integration";s:19:"content_description";s:95:"Google Analytics ConfigurationGoogle Analytics ConfigurationWP e-commerce analytics integration";}s:10:"feedburner";a:1:{s:8:"origlink";s:120:"http://yoast.com/google-analytics-wordpress-v4/#utm_source=rss&utm_medium=rss&utm_campaign=google-analytics-wordpress-v4";}s:7:"summary";s:980:"tweetmeme_url = 'http://yoast.com/google-analytics-wordpress-v4/'; Google Analytics has gotten so many new features in the last year, that the only way I could incorporate those into my Google Analytics plugin, which has been downloaded times, was by doing an almost complete rewrite. That’s why today, I’m proud to announce version 4.0 of this plugin. What’s new with [...]
Google Analytics for WordPress reaches version 4 is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:5;a:9:{s:5:"title";s:67:"WordPress Podcast: Adii Pienaar: Solving Problems the WooThemes Way";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/APqdmzz5XdE/";s:11:"description";s:447:"Adii Pienaar is a co-founder of WooThemes, a leading WordPress theme provider. WooThemes endeavors to maintain a tight connection with their users, an integral element of their success. Adii discusses what WooThemes is up to, what they’ve contributed to the … Continue reading → ";s:4:"guid";s:30:"http://wp-community.org/?p=621";s:7:"pubdate";s:31:"Tue, 06 Jul 2010 23:29:22 -0700";s:7:"content";a:1:{s:7:"encoded";s:1761:"Adii Pienaar is a co-founder of WooThemes , a leading WordPress theme provider. WooThemes endeavors to maintain a tight connection with their users, an integral element of their success. Adii discusses what WooThemes is up to, what they’ve contributed to the WordPress community and how WooThemes innovates in addressing user problems.
In the News:
Plugin Picks of the Week:
Continue reading → ";s:12:"atom_content";s:1761:"Adii Pienaar is a co-founder of WooThemes , a leading WordPress theme provider. WooThemes endeavors to maintain a tight connection with their users, an integral element of their success. Adii discusses what WooThemes is up to, what they’ve contributed to the WordPress community and how WooThemes innovates in addressing user problems.
In the News:
Plugin Picks of the Week:
Continue reading → ";s:4:"guid";s:30:"http://wp-community.org/?p=610";s:7:"pubdate";s:31:"Tue, 29 Jun 2010 23:34:38 -0700";s:7:"content";a:1:{s:7:"encoded";s:1398:"Pete Cashmore is founder and CEO of one of the world’s most popular blogs – Mashable.com , which happens to be powered by WordPress! Since 2005 Mashable has been a leader in social media and technology news coverage in addition to hosting events like the recent media summit and social media day . In tip-packed show, Pete shares with us:
Why he selected and continues to use WordPress,
The secret formula of success for blogs,
How to work with and develop teams,
How to develop communities,
How to measure growth and monetize,
How to build a brand
In news:
Continue reading → ";s:12:"atom_content";s:1398:"Pete Cashmore is founder and CEO of one of the world’s most popular blogs – Mashable.com , which happens to be powered by WordPress! Since 2005 Mashable has been a leader in social media and technology news coverage in addition to hosting events like the recent media summit and social media day . In tip-packed show, Pete shares with us:
Why he selected and continues to use WordPress,
The secret formula of success for blogs,
How to work with and develop teams,
How to develop communities,
How to measure growth and monetize,
How to build a brand
In news:
I updated my Emergency WordPress access script today, because of some issues we'd discovered at OrangeValley and some bugs submitted by users. When I updated the post, I realized I should be emailing all the commenters, as some of them had had the same issue, and most of them would want the updated script. Quite [...]
Emailing your commenters is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2730";s:7:"pubdate";s:31:"Tue, 29 Jun 2010 13:10:50 -0700";s:7:"content";s:28:"Array
";s:5:"media";a:2:{s:7:"content";s:13:"
";s:13:"content_title";s:16:"email-commenters";}s:10:"feedburner";a:1:{s:8:"origlink";s:100:"http://yoast.com/email-commenters-v1/#utm_source=rss&utm_medium=rss&utm_campaign=email-commenters-v1";}s:7:"summary";s:881:"I updated my Emergency WordPress access script today, because of some issues we'd discovered at OrangeValley and some bugs submitted by users. When I updated the post, I realized I should be emailing all the commenters, as some of them had had the same issue, and most of them would want the updated script. Quite [...]
Emailing your commenters is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:8;a:10:{s:5:"title";s:56:"Yoast: Debugging your XML sitemap with an XSL Stylesheet";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/MuwAzKebKXM/";s:11:"description";s:922:"When you're developing XML sitemaps, no matter on what platform, it's pretty hard to debug them sometimes to be proper XML. You have to validate all the time and you can't do a quick "glance" over to see whether your sitemap has the URL's you were expecting. As mentioned before I'm working on my WordPress [...]
Debugging your XML sitemap with an XSL Stylesheet is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2719";s:7:"pubdate";s:31:"Mon, 28 Jun 2010 13:16:30 -0700";s:7:"content";s:77:"Array
";s:5:"media";a:3:{s:7:"content";s:26:"
";s:13:"content_title";s:42:"Styled XML SitemapStyled XML Video Sitemap";s:19:"content_description";s:44:"Click for larger imageClick for larger image";}s:10:"feedburner";a:1:{s:8:"origlink";s:114:"http://yoast.com/xsl-stylesheet-xml-sitemap/#utm_source=rss&utm_medium=rss&utm_campaign=xsl-stylesheet-xml-sitemap";}s:7:"summary";s:922:"When you're developing XML sitemaps, no matter on what platform, it's pretty hard to debug them sometimes to be proper XML. You have to validate all the time and you can't do a quick "glance" over to see whether your sitemap has the URL's you were expecting. As mentioned before I'm working on my WordPress [...]
Debugging your XML sitemap with an XSL Stylesheet is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:9;a:11:{s:5:"title";s:51:"Yoast: BlueGlass: When great minds come together…";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/WHzdP4yQPCU/";s:11:"description";s:890:"I don't usually post too much on the ins and outs of the SEO industry. I'm in it I guess, but there are other blogs way more geared to report on that. However, for this merger that just happened, I'll make an exception. I'm talking about a new company called BlueGlass. The reason this interests [...]
BlueGlass: When great minds come together… is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2710";s:7:"pubdate";s:31:"Thu, 24 Jun 2010 13:16:43 -0700";s:7:"content";s:28:"Array
";s:5:"media";a:2:{s:7:"content";s:13:"
";s:13:"content_title";s:14:"BlueGlass-logo";}s:8:"category";s:3:"SEO";s:10:"feedburner";a:1:{s:8:"origlink";s:82:"http://yoast.com/blue-glass/#utm_source=rss&utm_medium=rss&utm_campaign=blue-glass";}s:7:"summary";s:890:"I don't usually post too much on the ins and outs of the SEO industry. I'm in it I guess, but there are other blogs way more geared to report on that. However, for this merger that just happened, I'll make an exception. I'm talking about a new company called BlueGlass. The reason this interests [...]
BlueGlass: When great minds come together… is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:10;a:9:{s:5:"title";s:56:"WordPress Podcast: Digging into CSS Trickery & WordPress";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/_I4oKjt39kw/";s:11:"description";s:391:"Today Joost is joined by Chris Coyier, one of the authors of Digging into WordPress and the founder of CSS Tricks. Chris and Joost talk about a lot of different subjects, ranging from their individual history with CSS sites to … Continue reading → ";s:4:"guid";s:30:"http://wp-community.org/?p=604";s:7:"pubdate";s:31:"Wed, 23 Jun 2010 03:11:40 -0700";s:7:"content";a:1:{s:7:"encoded";s:987:"Today Joost is joined by Chris Coyier, one of the authors of Digging into WordPress and the founder of CSS Tricks . Chris and Joost talk about a lot of different subjects, ranging from their individual history with CSS sites to what Chris dubbed “the big three” updates in WordPress 3.0 (custom post types, menus, multi site) and to how Chris designs a site.
Plugin picks of the week
Continue reading → ";s:12:"atom_content";s:987:"Today Joost is joined by Chris Coyier, one of the authors of Digging into WordPress and the founder of CSS Tricks . Chris and Joost talk about a lot of different subjects, ranging from their individual history with CSS sites to what Chris dubbed “the big three” updates in WordPress 3.0 (custom post types, menus, multi site) and to how Chris designs a site.
Plugin picks of the week
Marcus just posted the trailer to SEOktoberfest 2010, and it's going to be another awesome edition of this epic conference / party / network event. I wasn't there last year (my daughter was about to be born, seems a valid excuse) but I'll definitely be there this year! Check out the trailer: You've seen it [...]
SEOktoberfest 2010: looking forward to it is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2693";s:7:"pubdate";s:31:"Tue, 22 Jun 2010 07:08:15 -0700";s:7:"content";s:54:"Array
";s:5:"media";a:3:{s:7:"content";s:13:"
";s:13:"content_title";s:69:"SEOktoberfest 2010: looking forward to it - Yoast - Tweaking Websites";s:19:"content_description";s:139:"The best SEO conference out there: SEOktoberfest, in Munich, this year in September from the 21st till the 23rd. Check out the intro video!";}s:10:"feedburner";a:1:{s:8:"origlink";s:98:"http://yoast.com/seoktoberfest-2010/#utm_source=rss&utm_medium=rss&utm_campaign=seoktoberfest-2010";}s:7:"summary";s:903:"Marcus just posted the trailer to SEOktoberfest 2010, and it's going to be another awesome edition of this epic conference / party / network event. I wasn't there last year (my daughter was about to be born, seems a valid excuse) but I'll definitely be there this year! Check out the trailer: You've seen it [...]
SEOktoberfest 2010: looking forward to it is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:12;a:9:{s:5:"title";s:35:"Yoast: Video SEO: A technical guide";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/-Qf1kU6cb7I/";s:11:"description";s:827:"As mentioned in a previous post, recently I have started playing with Video SEO, and found it to be a part of SEO I quite like. It’s a very technical trade so far, so apologies for all the code in the article lying in front of you, but there just is no way around it: [...]
Video SEO: A technical guide is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2663";s:7:"pubdate";s:31:"Mon, 21 Jun 2010 13:23:54 -0700";s:7:"content";a:1:{s:7:"encoded";s:22952:"As mentioned in a previous post, recently I have started playing with Video SEO, and found it to be a part of SEO I quite like. It’s a very technical trade so far, so apologies for all the code in the article lying in front of you, but there just is no way around it: you’ll need to know about the technical part of these implementations.
Talking about that, it seems as though everyone is focussing on XML Sitemaps, while there's actually not 1 but 4 methods of getting Google to recognize your video content.
Video SEO consists of 3 parts: indexation, ranking and click through optimization. While I might cover #2 and #3 in a later article, I’m focusing on the technical aspects of Video SEO for this article, and thus on the methods of getting your video’s indexed. I’ll focus mainly on Video SEO for Google, as I haven’t really looked at other search engines so far in testing.
XML Video Sitemaps There’s several ways to tell Google you’ve got video on your site. The most well known, and probably also easiest, is the XML Video Sitemap. Just like a normal XML Sitemap, this sitemap contains URL’s, and for each URL it contains a video section, outlining all the details about that video, from its location and / or player location to its keywords.
> > > > > > > > allow_embed ="yes" > > > > > > > > > > > > > > > > > > > > Most of the attributes of a video are optional, but you need either a location or a player, preferably both, and a “poster“ image. We’ll touch on the image later on, but remember to add this for each and every video.
Once you’ve created an XML video sitemap, make sure to submit it to Google through Google’s Webmaster Tools. While you can submit it manually, you can also ping Google with the URL of the sitemap every time you’ve updated it. Pinging Google is very simple, just open the following URL (replacing the sitemap URL with your own, of course):
http://www.google.com/webmasters/tools/ping?sitemap=http://example.com/sitemap.xml Within Google Webmaster Tools you can also check whether Google understands your sitemap, or if it’s missing any vital components.
Another way of telling Google that your site carries video, that also uses XML, is by adding MediaRSS tags to your RSS feed, and then submitting your RSS feed to Google as a sitemap.
MediaRSS is a standard conceived by Yahoo!, which Google fully supports for the discovery of all sorts of Rich Media, ranging from images to video. Because it’s an add on to your RSS feed, this has one downside compared to XML video sitemaps: usually it’ll only contain your last 10, 20 or 100 posts, while you might have hundreds of posts and pages containing video. The upside is there too: for a lot of sites, their RSS feed get’s indexed very regularly, allowing for fast inclusion of your video in Google’s index.
url ="http://example.com/video/video.mp4"
medium ="video"
duration ="180" >
url ="http://example.com/video/player.swf?file=video.mp4" />
url ="http://example.com/video/poster.png" />
type ="html" > > type ="html" > > > > > Yahoo! Searchmonkey Yes, I said I’d be focusing on Google, and yes this is the second Yahoo! standard I’ve mentioned. The reason is simple: Google supports it. If you mark up your pages with Yahoo! Searchmonkey Video tags, Google will, as stated here , recognize these and list your video in the search results.
Other than XML Video Sitemaps and MediaRSS enhancements, Yahoo! Searchmonkey code goes straight into your pages. This has the benefit that Google will recognize your videos without any additional submission of feeds or sitemaps. Depending on how you embed video, this might be fairly easy to add or might take some more work. The reason is that it starts with attributes on the object element, and some JavaScript based injection methods might not have an object element.
Let's have a look at what it looks like (example stolen from Google's example page):
width ="512" height ="296" rel ="media:video"
resource ="http://example.com/video_object.swf?id=12345"
xmlns:media ="http://search.yahoo.com/searchmonkey/media/"
xmlns:dc ="http://purl.org/dc/terms/" >
name ="movie" value ="http://example.com/video_object.swf?id=12345" /> src ="http://example.com/video_object.swf?id=12345" type ="application/x-shockwave-flash" width ="512" height ="296" >
rel ="media:thumbnail" href ="http://example.com/thumbnail_preview.jpg" /> rel ="dc:license" href ="http://example.com/terms_of_service.html" /> property ="dc:description" content ="Example description." />
property ="media:title" content ="Example title" /> property ="media:width" content ="512" /> property ="media:height" content ="296" /> property ="media:type" content ="application/x-shockwave-flash" /> property ="media:region" content ="us" /> property ="media:region" content ="uk" /> property ="media:duration" content ="63" /> > Most of these aren't required, and some are even outright not needed at all. There's only one valid media type: application/x-shockwave-flash. It's not required, there's only one option for it anyway: pretty safe to leave it out. You can easily leave out width and height as well for as much as Google is concerned, and you probably won't need the regions.
Of course, if you use javascript to embed your video's and thus don't have an object tag to add this RDFa to, you could add a
Facebook Share Facebook Share is probably one of the simplest methods of telling Google about video on a page. It uses meta elements in the head section of a page to point to a video file, poster image, size etc.:
name ="title" content ="Example title" /> name ="description" content ="Example description" /> rel ="image_src" href ="http://example.com/thumbnail_preview.jpg" /> rel ="video_src" href ="http://example.com/video_object.swf?id=12345" /> name ="video_height" content ="296" /> name ="video_width" content ="512" /> name ="video_type" content ="application/x-shockwave-flash" /> Like with Searchmonkey, the video_type is kind of bogus, as are width and height, so you could narrow this down a bit. The Facebook Share method of embedding has the added benefit that it’ll sometimes allow people to share your video on Facebook and play it directly on Facebook too.
Conclusion: one or more methods? It’s perfectly possible to mix these methods of telling search engines about your videos, in fact you could even use all 4 of them, and there’d be nothing wrong with that. If you ask me which one to use, I'd say: at least use XML sitemaps, and as many of the other ones as you can. In my tests, MediaRSS has been very fast in indexation, so I'd highly recommend using that if applicable to your situation and if speed of indexation is an issue to you.
Something to keep in mind: independent of which method above you use, Google will try to verify whether the video you claim to have on the page is actually on the page, so it’ll look for an object tag, or at the very least a JavaScript element with the link to your video file and / or player in it. If it can’t find these, it won’t index you video.
Please do let me know in the comments how this works for you, and what you've been testing with!
Video SEO: A technical guide is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
As mentioned in a previous post, recently I have started playing with Video SEO, and found it to be a part of SEO I quite like. It’s a very technical trade so far, so apologies for all the code in the article lying in front of you, but there just is no way around it: [...]
Video SEO: A technical guide is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:22952:"As mentioned in a previous post, recently I have started playing with Video SEO, and found it to be a part of SEO I quite like. It’s a very technical trade so far, so apologies for all the code in the article lying in front of you, but there just is no way around it: you’ll need to know about the technical part of these implementations.
Talking about that, it seems as though everyone is focussing on XML Sitemaps, while there's actually not 1 but 4 methods of getting Google to recognize your video content.
Video SEO consists of 3 parts: indexation, ranking and click through optimization. While I might cover #2 and #3 in a later article, I’m focusing on the technical aspects of Video SEO for this article, and thus on the methods of getting your video’s indexed. I’ll focus mainly on Video SEO for Google, as I haven’t really looked at other search engines so far in testing.
XML Video Sitemaps There’s several ways to tell Google you’ve got video on your site. The most well known, and probably also easiest, is the XML Video Sitemap. Just like a normal XML Sitemap, this sitemap contains URL’s, and for each URL it contains a video section, outlining all the details about that video, from its location and / or player location to its keywords.
> > > > > > > > allow_embed ="yes" > > > > > > > > > > > > > > > > > > > > Most of the attributes of a video are optional, but you need either a location or a player, preferably both, and a “poster“ image. We’ll touch on the image later on, but remember to add this for each and every video.
Once you’ve created an XML video sitemap, make sure to submit it to Google through Google’s Webmaster Tools. While you can submit it manually, you can also ping Google with the URL of the sitemap every time you’ve updated it. Pinging Google is very simple, just open the following URL (replacing the sitemap URL with your own, of course):
http://www.google.com/webmasters/tools/ping?sitemap=http://example.com/sitemap.xml Within Google Webmaster Tools you can also check whether Google understands your sitemap, or if it’s missing any vital components.
Another way of telling Google that your site carries video, that also uses XML, is by adding MediaRSS tags to your RSS feed, and then submitting your RSS feed to Google as a sitemap.
MediaRSS is a standard conceived by Yahoo!, which Google fully supports for the discovery of all sorts of Rich Media, ranging from images to video. Because it’s an add on to your RSS feed, this has one downside compared to XML video sitemaps: usually it’ll only contain your last 10, 20 or 100 posts, while you might have hundreds of posts and pages containing video. The upside is there too: for a lot of sites, their RSS feed get’s indexed very regularly, allowing for fast inclusion of your video in Google’s index.
url ="http://example.com/video/video.mp4"
medium ="video"
duration ="180" >
url ="http://example.com/video/player.swf?file=video.mp4" />
url ="http://example.com/video/poster.png" />
type ="html" > > type ="html" > > > > > Yahoo! Searchmonkey Yes, I said I’d be focusing on Google, and yes this is the second Yahoo! standard I’ve mentioned. The reason is simple: Google supports it. If you mark up your pages with Yahoo! Searchmonkey Video tags, Google will, as stated here , recognize these and list your video in the search results.
Other than XML Video Sitemaps and MediaRSS enhancements, Yahoo! Searchmonkey code goes straight into your pages. This has the benefit that Google will recognize your videos without any additional submission of feeds or sitemaps. Depending on how you embed video, this might be fairly easy to add or might take some more work. The reason is that it starts with attributes on the object element, and some JavaScript based injection methods might not have an object element.
Let's have a look at what it looks like (example stolen from Google's example page):
width ="512" height ="296" rel ="media:video"
resource ="http://example.com/video_object.swf?id=12345"
xmlns:media ="http://search.yahoo.com/searchmonkey/media/"
xmlns:dc ="http://purl.org/dc/terms/" >
name ="movie" value ="http://example.com/video_object.swf?id=12345" /> src ="http://example.com/video_object.swf?id=12345" type ="application/x-shockwave-flash" width ="512" height ="296" >
rel ="media:thumbnail" href ="http://example.com/thumbnail_preview.jpg" /> rel ="dc:license" href ="http://example.com/terms_of_service.html" /> property ="dc:description" content ="Example description." />
property ="media:title" content ="Example title" /> property ="media:width" content ="512" /> property ="media:height" content ="296" /> property ="media:type" content ="application/x-shockwave-flash" /> property ="media:region" content ="us" /> property ="media:region" content ="uk" /> property ="media:duration" content ="63" /> > Most of these aren't required, and some are even outright not needed at all. There's only one valid media type: application/x-shockwave-flash. It's not required, there's only one option for it anyway: pretty safe to leave it out. You can easily leave out width and height as well for as much as Google is concerned, and you probably won't need the regions.
Of course, if you use javascript to embed your video's and thus don't have an object tag to add this RDFa to, you could add a
Facebook Share Facebook Share is probably one of the simplest methods of telling Google about video on a page. It uses meta elements in the head section of a page to point to a video file, poster image, size etc.:
name ="title" content ="Example title" /> name ="description" content ="Example description" /> rel ="image_src" href ="http://example.com/thumbnail_preview.jpg" /> rel ="video_src" href ="http://example.com/video_object.swf?id=12345" /> name ="video_height" content ="296" /> name ="video_width" content ="512" /> name ="video_type" content ="application/x-shockwave-flash" /> Like with Searchmonkey, the video_type is kind of bogus, as are width and height, so you could narrow this down a bit. The Facebook Share method of embedding has the added benefit that it’ll sometimes allow people to share your video on Facebook and play it directly on Facebook too.
Conclusion: one or more methods? It’s perfectly possible to mix these methods of telling search engines about your videos, in fact you could even use all 4 of them, and there’d be nothing wrong with that. If you ask me which one to use, I'd say: at least use XML sitemaps, and as many of the other ones as you can. In my tests, MediaRSS has been very fast in indexation, so I'd highly recommend using that if applicable to your situation and if speed of indexation is an issue to you.
Something to keep in mind: independent of which method above you use, Google will try to verify whether the video you claim to have on the page is actually on the page, so it’ll look for an object tag, or at the very least a JavaScript element with the link to your video file and / or player in it. If it can’t find these, it won’t index you video.
Please do let me know in the comments how this works for you, and what you've been testing with!
Video SEO: A technical guide is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
I've been testing a lot with video SEO lately, and I'll be doing a whole lot more of that testing, as video SEO seems to be a nice area to play in. Now I noticed my buddy Mark Robertson over at ReelSEO did a short, but nice interview with Matt Cutts on video sitemaps: Now [...]
Video SEO and WordPress is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2480";s:7:"pubdate";s:31:"Wed, 16 Jun 2010 14:12:01 -0700";s:7:"content";a:1:{s:7:"encoded";s:2307:"I've been testing a lot with video SEO lately, and I'll be doing a whole lot more of that testing, as video SEO seems to be a nice area to play in. Now I noticed my buddy Mark Robertson over at ReelSEO did a short, but nice interview with Matt Cutts on video sitemaps :
Now you're probably asking: what on earth's name does this stuff about video SEO have to do with WordPress? Well, it's quite simple: one of my upcoming WordPress SEO plugin's features will be to automatically generate video sitemaps, for video's added with several supported video plugins, like the awesome Viper's Video Quicktags .
So, for a preview of what will be able to do, check out my video sitemap , and try and search for some of the terms in there, you'll see my video's have started ranking nicely. There's a lot of voodoo involved and this needs a lot more testing, so don't expect this out tomorrow, but it is possible, and it will be available within a few (I'd say 2-3) months.
For those who missed it, I published a technical guide to Video SEO a couple days after this post!
Video SEO and WordPress is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
I've been testing a lot with video SEO lately, and I'll be doing a whole lot more of that testing, as video SEO seems to be a nice area to play in. Now I noticed my buddy Mark Robertson over at ReelSEO did a short, but nice interview with Matt Cutts on video sitemaps: Now [...]
Video SEO and WordPress is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:2307:"I've been testing a lot with video SEO lately, and I'll be doing a whole lot more of that testing, as video SEO seems to be a nice area to play in. Now I noticed my buddy Mark Robertson over at ReelSEO did a short, but nice interview with Matt Cutts on video sitemaps :
Now you're probably asking: what on earth's name does this stuff about video SEO have to do with WordPress? Well, it's quite simple: one of my upcoming WordPress SEO plugin's features will be to automatically generate video sitemaps, for video's added with several supported video plugins, like the awesome Viper's Video Quicktags .
So, for a preview of what will be able to do, check out my video sitemap , and try and search for some of the terms in there, you'll see my video's have started ranking nicely. There's a lot of voodoo involved and this needs a lot more testing, so don't expect this out tomorrow, but it is possible, and it will be available within a few (I'd say 2-3) months.
For those who missed it, I published a technical guide to Video SEO a couple days after this post!
Video SEO and WordPress is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
Every once in a while I get an email about W3C validation. The people emailing me either point me at the fact that my own site doesn’t validate correctly (thank Facebook for most of that), or they ask me whether I think W3C Validation is important. Most of them ask even more specifically: whether I [...]
W3C Validation: why you should care, and why not is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2467";s:7:"pubdate";s:31:"Sun, 13 Jun 2010 13:08:57 -0700";s:7:"content";s:54:"Array
";s:5:"media";a:3:{s:7:"content";s:13:"
";s:13:"content_title";s:48:"W3C Validation & SEO - Yoast - Tweaking Websites";s:19:"content_description";s:134:"It's been discussed many times before: should you W3C validate your site for perfect SEO? It's not that simple, read why here.";}s:10:"feedburner";a:1:{s:8:"origlink";s:98:"http://yoast.com/w3c-validation-seo/#utm_source=rss&utm_medium=rss&utm_campaign=w3c-validation-seo";}s:7:"summary";s:888:"Every once in a while I get an email about W3C validation. The people emailing me either point me at the fact that my own site doesn’t validate correctly (thank Facebook for most of that), or they ask me whether I think W3C Validation is important. Most of them ask even more specifically: whether I [...]
W3C Validation: why you should care, and why not is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:15;a:9:{s:5:"title";s:41:"Yoast: Part II of my WordPress CMS series";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/2HrAZGvUkYU/";s:11:"description";s:681:"I've just published Part II of my WordPress CMS series: Design & development of your WordPress CMS. Enjoy!
Part II of my WordPress CMS series is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2463";s:7:"pubdate";s:31:"Sat, 12 Jun 2010 13:06:03 -0700";s:7:"content";a:1:{s:7:"encoded";s:953:"I've just published Part II of my WordPress CMS series: Design & development of your WordPress CMS . Enjoy!
Part II of my WordPress CMS series is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
I've just published Part II of my WordPress CMS series: Design & development of your WordPress CMS. Enjoy!
Part II of my WordPress CMS series is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:953:"I've just published Part II of my WordPress CMS series: Design & development of your WordPress CMS . Enjoy!
Part II of my WordPress CMS series is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
So I think I've not said it enough yet: W3 Total Cache is the best caching plugin for WordPress out there at the moment. To illustrate, I've made a short video outlining how I usually set it up (if the video is not working for you, check it out on Youtube or Vimeo): Hope you [...]
W3 Total Cache and why you should be using it is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2424";s:7:"pubdate";s:31:"Wed, 09 Jun 2010 06:44:00 -0700";s:7:"content";s:41:"Array
";s:5:"media";a:3:{s:7:"content";s:13:"
";s:13:"content_title";s:42:"W3 Total Cache - WordPress Caching - Yoast";s:19:"content_description";s:104:"It's the best caching plugin for WordPress: W3 Total Cache. The video shows how I usually set it up!";}s:10:"feedburner";a:2:{s:8:"origlink";s:90:"http://yoast.com/w3-total-cache/#utm_source=rss&utm_medium=rss&utm_campaign=w3-total-cache";s:17:"origenclosurelink";s:56:"http://cdn.yoast.com/wp-content/uploads/2010/06/w3tc.mov";}s:7:"summary";s:863:"So I think I've not said it enough yet: W3 Total Cache is the best caching plugin for WordPress out there at the moment. To illustrate, I've made a short video outlining how I usually set it up (if the video is not working for you, check it out on Youtube or Vimeo): Hope you [...]
W3 Total Cache and why you should be using it is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:17;a:9:{s:5:"title";s:44:"Yoast: Change domain, and warn your visitors";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/fR_FyCrWspM/";s:11:"description";s:917:"When you change domains, for instance using my moving WordPress to a new domain guide, you'll usually redirect your visitors with something looking like this: Redirect 301 / http://new.example.com/ The only issue with this is that people might not notice that you've moved to a new domain, and thus might not update their links to [...]
Change domain, and warn your visitors is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2416";s:7:"pubdate";s:31:"Wed, 09 Jun 2010 01:25:32 -0700";s:7:"content";a:1:{s:7:"encoded";s:5406:"When you change domains, for instance using my moving WordPress to a new domain guide, you'll usually redirect your visitors with something looking like this:
Redirect 301 / http://new.example .com/The only issue with this is that people might not notice that you've moved to a new domain, and thus might not update their links to you. As Matt Cutts confirmed a while back that 301 redirects do not pass full PageRank , and they seem to take a hell of a time to kick in these days, that's somewhat of an issue: we'd rather have people update their links.
The proper redirect So we want to tell people that you've moved to a new domain, but only people who came through old links to your site. And we still want to keep that 301 redirect in place, to preserve as much of the value from the old site as we can.
So, what if we redirected to http://new.example.com/#moved? The search engines don't care about anything from the hash onwards, so the value of the redirect would still be maintained. We could then use javascript to detect the value of the hash tag, and display a notice to our visitors.
There's an issue with that as well though: with the redirect 301 / line above, we redirected everything after /, to new.example.com/, so for instance /test/ would be redirected to new.example.com/test/. If we added #moved to the end of that URL, we would end up with new.example.com/#moved/test/ and that wouldn't work. So we'll need to make a bit of a fancier redirect:
RedirectMatch 301 /(.*)? http://new.example .com/$1 #moved That should work. Notice though that when you have code in place adding a / to the end of your URL's if not existent, that code should conserve any hash tags in the URL.
Showing the domain move message So now, let's move on to the javascript part to actually show people a "we've moved" message, which is actually pretty simple. You create a div with the message you want to show, and put it in your footer, something like this:
We've moved from old.example.com to new.example.com,
please update your feeds & links!
As you can see, we default it to display: none; so not everybody sees it, and then you add this tiny snippet of javascript, also in the footer of your page, after you've loaded the div above:
if ( document.location .hash == '#moved' ) {
document.getElementById ( 'domainmovemsg' ) .style .display = 'block' ;
} Example code I've coded an example of this with some more styling etc., which you can find here . If you want to see it in action immediately, you'll have to click this link .
Change domain, and warn your visitors is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
When you change domains, for instance using my moving WordPress to a new domain guide, you'll usually redirect your visitors with something looking like this: Redirect 301 / http://new.example.com/ The only issue with this is that people might not notice that you've moved to a new domain, and thus might not update their links to [...]
Change domain, and warn your visitors is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:5406:"When you change domains, for instance using my moving WordPress to a new domain guide, you'll usually redirect your visitors with something looking like this:
Redirect 301 / http://new.example .com/The only issue with this is that people might not notice that you've moved to a new domain, and thus might not update their links to you. As Matt Cutts confirmed a while back that 301 redirects do not pass full PageRank , and they seem to take a hell of a time to kick in these days, that's somewhat of an issue: we'd rather have people update their links.
The proper redirect So we want to tell people that you've moved to a new domain, but only people who came through old links to your site. And we still want to keep that 301 redirect in place, to preserve as much of the value from the old site as we can.
So, what if we redirected to http://new.example.com/#moved? The search engines don't care about anything from the hash onwards, so the value of the redirect would still be maintained. We could then use javascript to detect the value of the hash tag, and display a notice to our visitors.
There's an issue with that as well though: with the redirect 301 / line above, we redirected everything after /, to new.example.com/, so for instance /test/ would be redirected to new.example.com/test/. If we added #moved to the end of that URL, we would end up with new.example.com/#moved/test/ and that wouldn't work. So we'll need to make a bit of a fancier redirect:
RedirectMatch 301 /(.*)? http://new.example .com/$1 #moved That should work. Notice though that when you have code in place adding a / to the end of your URL's if not existent, that code should conserve any hash tags in the URL.
Showing the domain move message So now, let's move on to the javascript part to actually show people a "we've moved" message, which is actually pretty simple. You create a div with the message you want to show, and put it in your footer, something like this:
We've moved from old.example.com to new.example.com,
please update your feeds & links!
As you can see, we default it to display: none; so not everybody sees it, and then you add this tiny snippet of javascript, also in the footer of your page, after you've loaded the div above:
if ( document.location .hash == '#moved' ) {
document.getElementById ( 'domainmovemsg' ) .style .display = 'block' ;
} Example code I've coded an example of this with some more styling etc., which you can find here . If you want to see it in action immediately, you'll have to click this link .
Change domain, and warn your visitors is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
I've posted about them before, and will probably be telling everybody I can about them for a while to come: BuySellAds. It's their second birthday today, and they made a pretty darn cool video to celebrate: A very happy "birthday" to Todd and the crew at BuySellAds, thanks for helping me and those other great [...]
Happy Birthday BuySellAds! is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2394";s:7:"pubdate";s:31:"Fri, 04 Jun 2010 04:57:54 -0700";s:7:"content";s:54:"Array
";s:5:"media";a:3:{s:7:"content";s:13:"
";s:13:"content_title";s:54:"Happy Birthday BuySellAds! - Yoast - Tweaking Websites";s:19:"content_description";s:318:"I've posted about them before, and will probably be telling everybody I can about them for a while to come: BuySellAds. It's their second birthday today, and they made a pretty darn cool video to celebrate: A very happy "birthday" to Todd and the crew at BuySellAds, thanks for helping me and those o";}s:8:"category";s:16:"Online Marketing";s:10:"feedburner";a:1:{s:8:"origlink";s:112:"http://yoast.com/happy-birthday-buysellads/#utm_source=rss&utm_medium=rss&utm_campaign=happy-birthday-buysellads";}s:7:"summary";s:890:"I've posted about them before, and will probably be telling everybody I can about them for a while to come: BuySellAds. It's their second birthday today, and they made a pretty darn cool video to celebrate: A very happy "birthday" to Todd and the crew at BuySellAds, thanks for helping me and those other great [...]
Happy Birthday BuySellAds! is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1:"A";}i:19;a:9:{s:5:"title";s:46:"Yoast: Using WordPress as a CMS article series";s:4:"link";s:58:"http://feedproxy.google.com/~r/joostdevalk/~3/YNB2H6fMLuA/";s:11:"description";s:897:"I picked the winner for the ShopHTML competition today, a winner who asked for a post I can not possibly do in one single post. So I've started an article series on the topic: using WordPress as a CMS, and am ready to release the first article to you already: going from your website's goal [...]
Using WordPress as a CMS article series is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:4:"guid";s:24:"http://yoast.com/?p=2360";s:7:"pubdate";s:31:"Tue, 01 Jun 2010 15:13:19 -0700";s:7:"content";a:1:{s:7:"encoded";s:1842:"I picked the winner for the ShopHTML competition today, a winner who asked for a post I can not possibly do in one single post. So I've started an article series on the topic: using WordPress as a CMS , and am ready to release the first article to you already: going from your website's goal to its site structure .
This doesn't touch on WordPress as much as on general site design principles, but as these steps are often misunderstood and they very much determine whether your site is ever going to be successful, I decided it needed to be in there. The next article in the series will be more WordPress focussed, going on about design, and turning a design into a theme and more. Stay tuned for that, but for now, start reading: Your website: from goal to structure .
Using WordPress as a CMS article series is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
I picked the winner for the ShopHTML competition today, a winner who asked for a post I can not possibly do in one single post. So I've started an article series on the topic: using WordPress as a CMS, and am ready to release the first article to you already: going from your website's goal [...]
Using WordPress as a CMS article series is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
";s:12:"atom_content";s:1842:"I picked the winner for the ShopHTML competition today, a winner who asked for a post I can not possibly do in one single post. So I've started an article series on the topic: using WordPress as a CMS , and am ready to release the first article to you already: going from your website's goal to its site structure .
This doesn't touch on WordPress as much as on general site design principles, but as these steps are often misunderstood and they very much determine whether your site is ever going to be successful, I decided it needed to be in there. The next article in the series will be more WordPress focussed, going on about design, and turning a design into a theme and more. Stay tuned for that, but for now, start reading: Your website: from goal to structure .
Using WordPress as a CMS article series is a post from Joost de Valk 's Yoast - Tweaking Websites .A good WordPress blog needs good hosting, you don't want your blog to be slow, or, even worse, down, do you? Check out my thoughts on WordPress hosting !
This dashboard widget queries Google Blog Search so that when another blog links to your site it will show up here. It has found no incoming links… yet. It’s okay — there is no rush.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: This dashboard widget queries Google Blog Search so that when another blog links to your site it will show up here. It has found no incoming links… yet. It’s okay — there is no rush.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 15548
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15548
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_update_plugins
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_update_plugins
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[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: O:8:"stdClass":3:{s:12:"last_checked";i:1314373074;s:7:"checked";a:22:{s:25:"add-to-any/add-to-any.php";s:8:".9.9.9.3";s:19:"akismet/akismet.php";s:5:"2.3.0";s:63:"amazon-reloaded-for-wordpress/amazon-reloaded-for-wordpress.php";s:5:"5.0.7";s:36:"contact-form-7/wp-contact-form-7.php";s:5:"2.4.6";s:69:"1shoppingcartcom-wordpress-signup-forms/1shop_custom_forms_plugin.php";s:16:"1.0.2 12/21/2009";s:33:"date-exclusion/date-exclusion.php";s:3:"1.0";s:28:"embed-iframe/embediframe.php";s:3:"1.0";s:31:"favicon-manager/favicon-mgr.php";s:3:"0.1";s:34:"feedburner-plugin/fdfeedburner.php";s:4:"1.44";s:50:"google-analytics-for-wordpress/googleanalytics.php";s:5:"4.0.6";s:36:"google-sitemap-generator/sitemap.php";s:5:"3.2.4";s:37:"my-category-order/mycategoryorder.php";s:5:"3.0.1";s:33:"seo-image/seo-friendly-images.php";s:5:"2.6.1";s:23:"seo-slugs/seo-slugs.php";s:3:"1.0";s:27:"simple-tags/simple-tags.php";s:7:"1.7.4.4";s:30:"smart-youtube/smartyoutube.php";s:5:"3.8.8";s:29:"widget-logic/widget_logic.php";s:4:"0.47";s:36:"wordpress-backup/WordpressBackup.php";s:5:"1.8.2";s:29:"wp-db-backup/wp-db-backup.php";s:5:"2.2.3";s:29:"wppopoverpro/wppopoverpro.php";s:5:"1.0.0";s:39:"wp-table-reloaded/wp-table-reloaded.php";s:5:"1.9.1";s:19:"zemanta/zemanta.php";s:5:"0.6.6";}s:8:"response";a:7:{s:25:"add-to-any/add-to-any.php";O:8:"stdClass":5:{s:2:"id";s:3:"429";s:4:"slug";s:10:"add-to-any";s:11:"new_version";s:8:".9.9.9.4";s:3:"url";s:47:"http://wordpress.org/extend/plugins/add-to-any/";s:7:"package";s:62:"http://downloads.wordpress.org/plugin/add-to-any.0.9.9.9.4.zip";}s:34:"feedburner-plugin/fdfeedburner.php";O:8:"stdClass":5:{s:2:"id";s:4:"2744";s:4:"slug";s:17:"feedburner-plugin";s:11:"new_version";s:4:"1.45";s:3:"url";s:54:"http://wordpress.org/extend/plugins/feedburner-plugin/";s:7:"package";s:59:"http://downloads.wordpress.org/plugin/feedburner-plugin.zip";}s:50:"google-analytics-for-wordpress/googleanalytics.php";O:8:"stdClass":6:{s:2:"id";s:3:"965";s:4:"slug";s:30:"google-analytics-for-wordpress";s:11:"new_version";s:5:"4.1.3";s:14:"upgrade_notice";s:79:"Security fix, please update ASAP. Old version is susceptible to link insertion.";s:3:"url";s:67:"http://wordpress.org/extend/plugins/google-analytics-for-wordpress/";s:7:"package";s:78:"http://downloads.wordpress.org/plugin/google-analytics-for-wordpress.4.1.3.zip";}s:36:"google-sitemap-generator/sitemap.php";O:8:"stdClass":5:{s:2:"id";s:3:"132";s:4:"slug";s:24:"google-sitemap-generator";s:11:"new_version";s:5:"3.2.5";s:3:"url";s:61:"http://wordpress.org/extend/plugins/google-sitemap-generator/";s:7:"package";s:72:"http://downloads.wordpress.org/plugin/google-sitemap-generator.3.2.5.zip";}s:30:"smart-youtube/smartyoutube.php";O:8:"stdClass":5:{s:2:"id";s:4:"1584";s:4:"slug";s:13:"smart-youtube";s:11:"new_version";s:5:"3.8.9";s:3:"url";s:50:"http://wordpress.org/extend/plugins/smart-youtube/";s:7:"package";s:55:"http://downloads.wordpress.org/plugin/smart-youtube.zip";}s:29:"widget-logic/widget_logic.php";O:8:"stdClass":5:{s:2:"id";s:4:"2545";s:4:"slug";s:12:"widget-logic";s:11:"new_version";s:4:"0.48";s:3:"url";s:49:"http://wordpress.org/extend/plugins/widget-logic/";s:7:"package";s:59:"http://downloads.wordpress.org/plugin/widget-logic.0.48.zip";}s:19:"zemanta/zemanta.php";O:8:"stdClass":5:{s:2:"id";s:4:"3562";s:4:"slug";s:7:"zemanta";s:11:"new_version";s:5:"0.7.3";s:3:"url";s:44:"http://wordpress.org/extend/plugins/zemanta/";s:7:"package";s:55:"http://downloads.wordpress.org/plugin/zemanta.0.7.3.zip";}}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 18699
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18699
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: wpcf7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: wpcf7
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:1:{s:7:"version";s:3:"3.2";}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:1:{s:7:"version";s:3:"3.2";}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 22496
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 22496
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_timeout_wp_table_reloaded_table_output_1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_timeout_wp_table_reloaded_table_output_1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1375734202
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1375734202
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 22497
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 22497
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _transient_wp_table_reloaded_table_output_1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _transient_wp_table_reloaded_table_output_1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 12727
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 12727
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: seo_friendly_images_override_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: seo_friendly_images_override_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: off
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: off
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7527
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7527
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Yoast_Google_Analytics
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Yoast_Google_Analytics
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:3:{s:16:"trackcommentform";b:1;s:16:"ignore_userlevel";i:11;s:7:"version";s:4:"4.06";}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:3:{s:16:"trackcommentform";b:1;s:16:"ignore_userlevel";i:11;s:7:"version";s:4:"4.06";}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 6216
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 6216
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: zemanta_api_key
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: zemanta_api_key
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: myp3bs22z7y5uj8a3ebtwyht
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: myp3bs22z7y5uj8a3ebtwyht
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 18871
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18871
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: uninstall_plugins
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: uninstall_plugins
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:2:{i:0;b:0;s:27:"simple-tags/simple-tags.php";s:20:"SimpleTags_Uninstall";}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:2:{i:0;b:0;s:27:"simple-tags/simple-tags.php";s:20:"SimpleTags_Uninstall";}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 6219
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 6219
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: simpletags
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: simpletags
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:58:{s:13:"use_tag_pages";i:1;s:18:"allow_embed_tcloud";i:0;s:14:"auto_link_tags";i:0;s:13:"auto_link_min";i:1;s:14:"auto_link_case";i:1;s:17:"auto_link_exclude";s:0:"";s:21:"auto_link_max_by_post";i:10;s:14:"use_click_tags";i:1;s:18:"use_suggested_tags";i:1;s:14:"opencalais_key";s:0:"";s:11:"alchemy_api";s:0:"";s:11:"zemanta_key";s:0:"";s:18:"use_autocompletion";i:1;s:7:"rp_feed";i:0;s:11:"rp_embedded";s:2:"no";s:8:"rp_order";s:10:"count-desc";s:12:"rp_limit_qty";i:5;s:13:"rp_notagstext";s:17:"No related posts.";s:8:"rp_title";s:22:"Related posts ";s:10:"rp_xformat";s:95:"%post_title% (%post_comment%)";s:12:"rp_adv_usage";s:0:"";s:17:"cloud_selectionby";s:5:"count";s:15:"cloud_selection";s:4:"desc";s:13:"cloud_orderby";s:6:"random";s:11:"cloud_order";s:3:"asc";s:15:"cloud_limit_qty";i:45;s:16:"cloud_notagstext";s:8:"No tags.";s:11:"cloud_title";s:18:"Tag Cloud ";s:12:"cloud_format";s:4:"flat";s:13:"cloud_xformat";s:155:"%tag_name% ";s:15:"cloud_max_color";s:7:"#000000";s:15:"cloud_min_color";s:7:"#CCCCCC";s:14:"cloud_max_size";i:22;s:14:"cloud_min_size";i:8;s:10:"cloud_unit";s:2:"pt";s:15:"cloud_adv_usage";s:0:"";s:7:"tt_feed";i:0;s:11:"tt_embedded";s:2:"no";s:12:"tt_separator";s:2:", ";s:9:"tt_before";s:6:"Tags: ";s:8:"tt_after";s:6:"%tag_name% ";s:12:"tt_adv_usage";s:0:"";s:16:"active_mass_edit";i:1;s:13:"active_manage";i:0;s:20:"active_related_posts";i:0;s:15:"active_autotags";i:1;s:20:"auto_link_max_by_tag";i:1;s:18:"auto_link_priority";i:12;s:16:"order_click_tags";s:8:"name-asc";s:17:"autocomplete_type";s:0:"";s:16:"autocomplete_min";i:0;s:17:"autocomplete_mode";s:0:"";s:11:"rp_taxonomy";s:8:"post_tag";s:14:"cloud_taxonomy";s:8:"post_tag";}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:58:{s:13:"use_tag_pages";i:1;s:18:"allow_embed_tcloud";i:0;s:14:"auto_link_tags";i:0;s:13:"auto_link_min";i:1;s:14:"auto_link_case";i:1;s:17:"auto_link_exclude";s:0:"";s:21:"auto_link_max_by_post";i:10;s:14:"use_click_tags";i:1;s:18:"use_suggested_tags";i:1;s:14:"opencalais_key";s:0:"";s:11:"alchemy_api";s:0:"";s:11:"zemanta_key";s:0:"";s:18:"use_autocompletion";i:1;s:7:"rp_feed";i:0;s:11:"rp_embedded";s:2:"no";s:8:"rp_order";s:10:"count-desc";s:12:"rp_limit_qty";i:5;s:13:"rp_notagstext";s:17:"No related posts.";s:8:"rp_title";s:22:"Related posts ";s:10:"rp_xformat";s:95:"%post_title% (%post_comment%)";s:12:"rp_adv_usage";s:0:"";s:17:"cloud_selectionby";s:5:"count";s:15:"cloud_selection";s:4:"desc";s:13:"cloud_orderby";s:6:"random";s:11:"cloud_order";s:3:"asc";s:15:"cloud_limit_qty";i:45;s:16:"cloud_notagstext";s:8:"No tags.";s:11:"cloud_title";s:18:"Tag Cloud ";s:12:"cloud_format";s:4:"flat";s:13:"cloud_xformat";s:155:"%tag_name% ";s:15:"cloud_max_color";s:7:"#000000";s:15:"cloud_min_color";s:7:"#CCCCCC";s:14:"cloud_max_size";i:22;s:14:"cloud_min_size";i:8;s:10:"cloud_unit";s:2:"pt";s:15:"cloud_adv_usage";s:0:"";s:7:"tt_feed";i:0;s:11:"tt_embedded";s:2:"no";s:12:"tt_separator";s:2:", ";s:9:"tt_before";s:6:"Tags: ";s:8:"tt_after";s:6:"%tag_name% ";s:12:"tt_adv_usage";s:0:"";s:16:"active_mass_edit";i:1;s:13:"active_manage";i:0;s:20:"active_related_posts";i:0;s:15:"active_autotags";i:1;s:20:"auto_link_max_by_tag";i:1;s:18:"auto_link_priority";i:12;s:16:"order_click_tags";s:8:"name-asc";s:17:"autocomplete_type";s:0:"";s:16:"autocomplete_min";i:0;s:17:"autocomplete_mode";s:0:"";s:11:"rp_taxonomy";s:8:"post_tag";s:14:"cloud_taxonomy";s:8:"post_tag";}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 6220
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 6220
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: widget_simpletags
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: widget_simpletags
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:2:{i:2;a:0:{}s:12:"_multiwidget";i:1;}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:2:{i:2;a:0:{}s:12:"_multiwidget";i:1;}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 6221
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: zemanta_image_uploader
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: zemanta_image_uploader
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: on
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: on
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 6222
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 6222
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: zemanta_image_uploader_promisc
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: zemanta_image_uploader_promisc
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: on
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 20427
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 20427
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: link_manager_enabled
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: link_manager_enabled
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 20432
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 20432
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_update_core
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_update_core
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: O:8:"stdClass":3:{s:7:"updates";a:1:{i:0;O:8:"stdClass":9:{s:8:"response";s:7:"upgrade";s:8:"download";s:38:"http://wordpress.org/wordpress-3.6.zip";s:6:"locale";s:5:"en_US";s:8:"packages";O:8:"stdClass":4:{s:4:"full";s:38:"http://wordpress.org/wordpress-3.6.zip";s:10:"no_content";s:49:"http://wordpress.org/wordpress-3.6-no-content.zip";s:11:"new_bundled";s:50:"http://wordpress.org/wordpress-3.6-new-bundled.zip";s:7:"partial";b:0;}s:7:"current";s:3:"3.6";s:11:"php_version";s:5:"5.2.4";s:13:"mysql_version";s:3:"5.0";s:11:"new_bundled";s:3:"3.6";s:15:"partial_version";s:0:"";}}s:12:"last_checked";i:1375716921;s:15:"version_checked";s:3:"3.5";}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: O:8:"stdClass":3:{s:7:"updates";a:1:{i:0;O:8:"stdClass":9:{s:8:"response";s:7:"upgrade";s:8:"download";s:38:"http://wordpress.org/wordpress-3.6.zip";s:6:"locale";s:5:"en_US";s:8:"packages";O:8:"stdClass":4:{s:4:"full";s:38:"http://wordpress.org/wordpress-3.6.zip";s:10:"no_content";s:49:"http://wordpress.org/wordpress-3.6-no-content.zip";s:11:"new_bundled";s:50:"http://wordpress.org/wordpress-3.6-new-bundled.zip";s:7:"partial";b:0;}s:7:"current";s:3:"3.6";s:11:"php_version";s:5:"5.2.4";s:13:"mysql_version";s:3:"5.0";s:11:"new_bundled";s:3:"3.6";s:15:"partial_version";s:0:"";}}s:12:"last_checked";i:1375716921;s:15:"version_checked";s:3:"3.5";}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 20428
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 20428
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: rewrite_rules
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: rewrite_rules
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: 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[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: 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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 19099
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 19099
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_timeout_browser_1e3e0f92ca3fe437a7023c5a768b9de7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_timeout_browser_1e3e0f92ca3fe437a7023c5a768b9de7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1346467131
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1346467131
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 19100
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 19100
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_browser_1e3e0f92ca3fe437a7023c5a768b9de7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_browser_1e3e0f92ca3fe437a7023c5a768b9de7
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:9:{s:8:"platform";s:9:"Macintosh";s:4:"name";s:7:"Firefox";s:7:"version";s:6:"14.0.1";s:10:"update_url";s:23:"http://www.firefox.com/";s:7:"img_src";s:50:"http://s.wordpress.org/images/browsers/firefox.png";s:11:"img_src_ssl";s:49:"https://wordpress.org/images/browsers/firefox.png";s:15:"current_version";s:2:"12";s:7:"upgrade";b:0;s:8:"insecure";b:0;}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:9:{s:8:"platform";s:9:"Macintosh";s:4:"name";s:7:"Firefox";s:7:"version";s:6:"14.0.1";s:10:"update_url";s:23:"http://www.firefox.com/";s:7:"img_src";s:50:"http://s.wordpress.org/images/browsers/firefox.png";s:11:"img_src_ssl";s:49:"https://wordpress.org/images/browsers/firefox.png";s:15:"current_version";s:2:"12";s:7:"upgrade";b:0;s:8:"insecure";b:0;}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 19932
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 19932
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_timeout_browser_21b4997abe53124c6122e309afe787df
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_timeout_browser_21b4997abe53124c6122e309afe787df
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1353651584
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1353651584
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 19933
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 19933
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_browser_21b4997abe53124c6122e309afe787df
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_browser_21b4997abe53124c6122e309afe787df
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:9:{s:8:"platform";s:9:"Macintosh";s:4:"name";s:7:"Firefox";s:7:"version";s:4:"16.0";s:10:"update_url";s:23:"http://www.firefox.com/";s:7:"img_src";s:50:"http://s.wordpress.org/images/browsers/firefox.png";s:11:"img_src_ssl";s:49:"https://wordpress.org/images/browsers/firefox.png";s:15:"current_version";s:2:"12";s:7:"upgrade";b:0;s:8:"insecure";b:0;}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:9:{s:8:"platform";s:9:"Macintosh";s:4:"name";s:7:"Firefox";s:7:"version";s:4:"16.0";s:10:"update_url";s:23:"http://www.firefox.com/";s:7:"img_src";s:50:"http://s.wordpress.org/images/browsers/firefox.png";s:11:"img_src_ssl";s:49:"https://wordpress.org/images/browsers/firefox.png";s:15:"current_version";s:2:"12";s:7:"upgrade";b:0;s:8:"insecure";b:0;}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 20014
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 20014
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_timeout_browser_1e3c24ce4eaa69a88c633b3feec2a6e6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_timeout_browser_1e3c24ce4eaa69a88c633b3feec2a6e6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1354294651
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1354294651
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 20015
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 20015
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_browser_1e3c24ce4eaa69a88c633b3feec2a6e6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_browser_1e3c24ce4eaa69a88c633b3feec2a6e6
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:9:{s:8:"platform";s:9:"Macintosh";s:4:"name";s:7:"Firefox";s:7:"version";s:4:"17.0";s:10:"update_url";s:23:"http://www.firefox.com/";s:7:"img_src";s:50:"http://s.wordpress.org/images/browsers/firefox.png";s:11:"img_src_ssl";s:49:"https://wordpress.org/images/browsers/firefox.png";s:15:"current_version";s:2:"16";s:7:"upgrade";b:0;s:8:"insecure";b:0;}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:9:{s:8:"platform";s:9:"Macintosh";s:4:"name";s:7:"Firefox";s:7:"version";s:4:"17.0";s:10:"update_url";s:23:"http://www.firefox.com/";s:7:"img_src";s:50:"http://s.wordpress.org/images/browsers/firefox.png";s:11:"img_src_ssl";s:49:"https://wordpress.org/images/browsers/firefox.png";s:15:"current_version";s:2:"16";s:7:"upgrade";b:0;s:8:"insecure";b:0;}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 22519
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 22519
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_timeout_poptags_40cd750bba9870f18aada2478b24840a
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_timeout_poptags_40cd750bba9870f18aada2478b24840a
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1375761305
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1375761305
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 22520
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 22520
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_poptags_40cd750bba9870f18aada2478b24840a
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_poptags_40cd750bba9870f18aada2478b24840a
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[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:40:{s:6:"widget";a:3:{s:4:"name";s:6:"widget";s:4:"slug";s:6:"widget";s:5:"count";s:4:"3898";}s:4:"post";a:3:{s:4:"name";s:4:"Post";s:4:"slug";s:4:"post";s:5:"count";s:4:"2456";}s:6:"plugin";a:3:{s:4:"name";s:6:"plugin";s:4:"slug";s:6:"plugin";s:5:"count";s:4:"2344";}s:5:"admin";a:3:{s:4:"name";s:5:"admin";s:4:"slug";s:5:"admin";s:5:"count";s:4:"1930";}s:5:"posts";a:3:{s:4:"name";s:5:"posts";s:4:"slug";s:5:"posts";s:5:"count";s:4:"1856";}s:7:"sidebar";a:3:{s:4:"name";s:7:"sidebar";s:4:"slug";s:7:"sidebar";s:5:"count";s:4:"1583";}s:7:"twitter";a:3:{s:4:"name";s:7:"twitter";s:4:"slug";s:7:"twitter";s:5:"count";s:4:"1329";}s:6:"google";a:3:{s:4:"name";s:6:"google";s:4:"slug";s:6:"google";s:5:"count";s:4:"1325";}s:8:"comments";a:3:{s:4:"name";s:8:"comments";s:4:"slug";s:8:"comments";s:5:"count";s:4:"1310";}s:6:"images";a:3:{s:4:"name";s:6:"images";s:4:"slug";s:6:"images";s:5:"count";s:4:"1260";}s:4:"page";a:3:{s:4:"name";s:4:"page";s:4:"slug";s:4:"page";s:5:"count";s:4:"1225";}s:5:"image";a:3:{s:4:"name";s:5:"image";s:4:"slug";s:5:"image";s:5:"count";s:4:"1121";}s:9:"shortcode";a:3:{s:4:"name";s:9:"shortcode";s:4:"slug";s:9:"shortcode";s:5:"count";s:4:"1000";}s:8:"facebook";a:3:{s:4:"name";s:8:"Facebook";s:4:"slug";s:8:"facebook";s:5:"count";s:3:"982";}s:5:"links";a:3:{s:4:"name";s:5:"links";s:4:"slug";s:5:"links";s:5:"count";s:3:"974";}s:3:"seo";a:3:{s:4:"name";s:3:"seo";s:4:"slug";s:3:"seo";s:5:"count";s:3:"950";}s:9:"wordpress";a:3:{s:4:"name";s:9:"wordpress";s:4:"slug";s:9:"wordpress";s:5:"count";s:3:"844";}s:7:"gallery";a:3:{s:4:"name";s:7:"gallery";s:4:"slug";s:7:"gallery";s:5:"count";s:3:"821";}s:6:"social";a:3:{s:4:"name";s:6:"social";s:4:"slug";s:6:"social";s:5:"count";s:3:"780";}s:3:"rss";a:3:{s:4:"name";s:3:"rss";s:4:"slug";s:3:"rss";s:5:"count";s:3:"722";}s:7:"widgets";a:3:{s:4:"name";s:7:"widgets";s:4:"slug";s:7:"widgets";s:5:"count";s:3:"686";}s:6:"jquery";a:3:{s:4:"name";s:6:"jquery";s:4:"slug";s:6:"jquery";s:5:"count";s:3:"681";}s:5:"pages";a:3:{s:4:"name";s:5:"pages";s:4:"slug";s:5:"pages";s:5:"count";s:3:"678";}s:5:"email";a:3:{s:4:"name";s:5:"email";s:4:"slug";s:5:"email";s:5:"count";s:3:"623";}s:4:"ajax";a:3:{s:4:"name";s:4:"AJAX";s:4:"slug";s:4:"ajax";s:5:"count";s:3:"615";}s:5:"media";a:3:{s:4:"name";s:5:"media";s:4:"slug";s:5:"media";s:5:"count";s:3:"595";}s:10:"javascript";a:3:{s:4:"name";s:10:"javascript";s:4:"slug";s:10:"javascript";s:5:"count";s:3:"572";}s:5:"video";a:3:{s:4:"name";s:5:"video";s:4:"slug";s:5:"video";s:5:"count";s:3:"570";}s:10:"buddypress";a:3:{s:4:"name";s:10:"buddypress";s:4:"slug";s:10:"buddypress";s:5:"count";s:3:"541";}s:4:"feed";a:3:{s:4:"name";s:4:"feed";s:4:"slug";s:4:"feed";s:5:"count";s:3:"539";}s:7:"content";a:3:{s:4:"name";s:7:"content";s:4:"slug";s:7:"content";s:5:"count";s:3:"530";}s:5:"photo";a:3:{s:4:"name";s:5:"photo";s:4:"slug";s:5:"photo";s:5:"count";s:3:"522";}s:4:"link";a:3:{s:4:"name";s:4:"link";s:4:"slug";s:4:"link";s:5:"count";s:3:"506";}s:6:"photos";a:3:{s:4:"name";s:6:"photos";s:4:"slug";s:6:"photos";s:5:"count";s:3:"505";}s:5:"login";a:3:{s:4:"name";s:5:"login";s:4:"slug";s:5:"login";s:5:"count";s:3:"471";}s:4:"spam";a:3:{s:4:"name";s:4:"spam";s:4:"slug";s:4:"spam";s:5:"count";s:3:"458";}s:5:"stats";a:3:{s:4:"name";s:5:"stats";s:4:"slug";s:5:"stats";s:5:"count";s:3:"453";}s:8:"category";a:3:{s:4:"name";s:8:"category";s:4:"slug";s:8:"category";s:5:"count";s:3:"452";}s:7:"youtube";a:3:{s:4:"name";s:7:"youtube";s:4:"slug";s:7:"youtube";s:5:"count";s:3:"436";}s:7:"comment";a:3:{s:4:"name";s:7:"comment";s:4:"slug";s:7:"comment";s:5:"count";s:3:"432";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 20857
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 20857
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_browser_4071fadaf88b07467adaed3daf67fa4c
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_browser_4071fadaf88b07467adaed3daf67fa4c
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:9:{s:8:"platform";s:9:"Macintosh";s:4:"name";s:6:"Safari";s:7:"version";s:5:"6.0.2";s:10:"update_url";s:28:"http://www.apple.com/safari/";s:7:"img_src";s:49:"http://s.wordpress.org/images/browsers/safari.png";s:11:"img_src_ssl";s:48:"https://wordpress.org/images/browsers/safari.png";s:15:"current_version";s:1:"5";s:7:"upgrade";b:0;s:8:"insecure";b:0;}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:9:{s:8:"platform";s:9:"Macintosh";s:4:"name";s:6:"Safari";s:7:"version";s:5:"6.0.2";s:10:"update_url";s:28:"http://www.apple.com/safari/";s:7:"img_src";s:49:"http://s.wordpress.org/images/browsers/safari.png";s:11:"img_src_ssl";s:48:"https://wordpress.org/images/browsers/safari.png";s:15:"current_version";s:1:"5";s:7:"upgrade";b:0;s:8:"insecure";b:0;}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 20856
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 20856
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_timeout_browser_4071fadaf88b07467adaed3daf67fa4c
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_timeout_browser_4071fadaf88b07467adaed3daf67fa4c
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1361636658
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1361636658
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 20864
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 20864
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: can_compress_scripts
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: can_compress_scripts
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 20865
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 20865
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: wpdb_backup_recip
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: wpdb_backup_recip
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: richard@realitymarketingllc.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: richard@realitymarketingllc.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 21803
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 21803
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_timeout_browser_e27b5a65bf4c377ae41b246afe42a27d
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_timeout_browser_e27b5a65bf4c377ae41b246afe42a27d
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1370031195
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1370031195
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 21804
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 21804
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_browser_e27b5a65bf4c377ae41b246afe42a27d
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_browser_e27b5a65bf4c377ae41b246afe42a27d
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:9:{s:8:"platform";s:9:"Macintosh";s:4:"name";s:7:"Firefox";s:7:"version";s:4:"20.0";s:10:"update_url";s:23:"http://www.firefox.com/";s:7:"img_src";s:50:"http://s.wordpress.org/images/browsers/firefox.png";s:11:"img_src_ssl";s:49:"https://wordpress.org/images/browsers/firefox.png";s:15:"current_version";s:2:"16";s:7:"upgrade";b:0;s:8:"insecure";b:0;}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:9:{s:8:"platform";s:9:"Macintosh";s:4:"name";s:7:"Firefox";s:7:"version";s:4:"20.0";s:10:"update_url";s:23:"http://www.firefox.com/";s:7:"img_src";s:50:"http://s.wordpress.org/images/browsers/firefox.png";s:11:"img_src_ssl";s:49:"https://wordpress.org/images/browsers/firefox.png";s:15:"current_version";s:2:"16";s:7:"upgrade";b:0;s:8:"insecure";b:0;}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 22508
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 22508
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_timeout_browser_705e32d6542dd416a549f58aff8c0210
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_timeout_browser_705e32d6542dd416a549f58aff8c0210
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1376343771
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1376343771
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 22509
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 22509
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_browser_705e32d6542dd416a549f58aff8c0210
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_browser_705e32d6542dd416a549f58aff8c0210
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:9:{s:8:"platform";s:9:"Macintosh";s:4:"name";s:7:"Firefox";s:7:"version";s:4:"22.0";s:10:"update_url";s:23:"http://www.firefox.com/";s:7:"img_src";s:50:"http://s.wordpress.org/images/browsers/firefox.png";s:11:"img_src_ssl";s:49:"https://wordpress.org/images/browsers/firefox.png";s:15:"current_version";s:2:"16";s:7:"upgrade";b:0;s:8:"insecure";b:0;}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:9:{s:8:"platform";s:9:"Macintosh";s:4:"name";s:7:"Firefox";s:7:"version";s:4:"22.0";s:10:"update_url";s:23:"http://www.firefox.com/";s:7:"img_src";s:50:"http://s.wordpress.org/images/browsers/firefox.png";s:11:"img_src_ssl";s:49:"https://wordpress.org/images/browsers/firefox.png";s:15:"current_version";s:2:"16";s:7:"upgrade";b:0;s:8:"insecure";b:0;}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 22517
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 22517
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_timeout_browser_284ea7f54ba4dd01be4fec28e24d7746
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_timeout_browser_284ea7f54ba4dd01be4fec28e24d7746
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1376355293
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1376355293
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 22518
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 22518
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_browser_284ea7f54ba4dd01be4fec28e24d7746
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_browser_284ea7f54ba4dd01be4fec28e24d7746
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:9:{s:8:"platform";s:7:"Windows";s:4:"name";s:6:"Chrome";s:7:"version";s:12:"28.0.1500.95";s:10:"update_url";s:28:"http://www.google.com/chrome";s:7:"img_src";s:49:"http://s.wordpress.org/images/browsers/chrome.png";s:11:"img_src_ssl";s:48:"https://wordpress.org/images/browsers/chrome.png";s:15:"current_version";s:2:"18";s:7:"upgrade";b:0;s:8:"insecure";b:0;}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:9:{s:8:"platform";s:7:"Windows";s:4:"name";s:6:"Chrome";s:7:"version";s:12:"28.0.1500.95";s:10:"update_url";s:28:"http://www.google.com/chrome";s:7:"img_src";s:49:"http://s.wordpress.org/images/browsers/chrome.png";s:11:"img_src_ssl";s:48:"https://wordpress.org/images/browsers/chrome.png";s:15:"current_version";s:2:"18";s:7:"upgrade";b:0;s:8:"insecure";b:0;}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 22523
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 22523
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _site_transient_update_plugins
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _site_transient_update_plugins
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: yes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 22525
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 22525
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: ithemes-backupbuddy
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: ithemes-backupbuddy
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:26:{s:8:"password";s:10:"#PASSWORD#";s:10:"ftp_server";s:0:"";s:8:"ftp_user";s:0:"";s:8:"ftp_pass";s:0:"";s:8:"ftp_path";s:0:"";s:8:"ftp_type";s:3:"ftp";s:8:"last_run";i:0;s:11:"compression";i:1;s:19:"force_compatibility";i:0;s:22:"email_notify_scheduled";i:1;s:19:"email_notify_manual";i:0;s:19:"backup_nonwp_tables";i:0;s:15:"integrity_check";i:1;s:7:"aws_ssl";i:1;s:13:"aws_directory";s:11:"backupbuddy";s:9:"schedules";a:0:{}s:9:"log_level";s:1:"1";s:5:"email";s:0:"";s:13:"aws_accesskey";s:0:"";s:13:"aws_secretkey";s:0:"";s:10:"aws_bucket";s:0:"";s:8:"excludes";s:0:"";s:9:"zip_limit";s:1:"0";i:0;b:0;s:16:"backup_directory";s:91:"/home7/askricha/public_html/advisormarketingsuccess/wp-content/uploads/backupbuddy_backups/";s:13:"backup_status";a:9:{s:4:"type";s:4:"full";s:6:"serial";s:10:"am8f6i42qd";s:8:"zip_file";s:155:"/home7/askricha/public_html/advisormarketingsuccess/wp-content/uploads/backupbuddy_backups/backup-www_AdvisorMarketingSuccess_com-2013_08_06-am8f6i42qd.zip";s:17:"storage_directory";s:86:"/home7/askricha/public_html/advisormarketingsuccess/wp-content/uploads/temp_am8f6i42qd";s:9:"processes";a:3:{s:8:"settings";a:3:{s:10:"start_time";i:1375750585;s:16:"last_update_time";i:1375750585;s:6:"status";s:8:"complete";}s:8:"database";a:1:{s:6:"status";s:9:"pre_start";}s:7:"archive";a:1:{s:6:"status";s:9:"pre_start";}}s:10:"start_time";i:1375750585;s:16:"last_update_time";i:1375750585;s:12:"last_process";s:8:"settings";s:6:"errors";a:0:{}}}
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1265426625
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1265426625
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 388
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 388
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _aioseop_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _aioseop_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Family Living Trust Seminar-in-a-Box
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Family Living Trust Seminar-in-a-Box
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 9
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 9
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1261162277
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1261162277
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/09/Box-Binder-covers-seminar-only-7-29-jpeg.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/09/Box-Binder-covers-seminar-only-7-29-jpeg.jpg
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:4:"1224";s:6:"height";s:4:"1584";s:14:"hwstring_small";s:22:"height='96' width='74'";s:4:"file";s:52:"2009/09/Box-Binder-covers-seminar-only-7-29-jpeg.jpg";s:5:"sizes";a:3:{s:9:"thumbnail";a:3:{s:4:"file";s:52:"Box-Binder-covers-seminar-only-7-29-jpeg-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:52:"Box-Binder-covers-seminar-only-7-29-jpeg-231x300.jpg";s:5:"width";s:3:"231";s:6:"height";s:3:"300";}s:5:"large";a:3:{s:4:"file";s:53:"Box-Binder-covers-seminar-only-7-29-jpeg-791x1024.jpg";s:5:"width";s:3:"791";s:6:"height";s:4:"1024";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:4:"1224";s:6:"height";s:4:"1584";s:14:"hwstring_small";s:22:"height='96' width='74'";s:4:"file";s:52:"2009/09/Box-Binder-covers-seminar-only-7-29-jpeg.jpg";s:5:"sizes";a:3:{s:9:"thumbnail";a:3:{s:4:"file";s:52:"Box-Binder-covers-seminar-only-7-29-jpeg-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:52:"Box-Binder-covers-seminar-only-7-29-jpeg-231x300.jpg";s:5:"width";s:3:"231";s:6:"height";s:3:"300";}s:5:"large";a:3:{s:4:"file";s:53:"Box-Binder-covers-seminar-only-7-29-jpeg-791x1024.jpg";s:5:"width";s:3:"791";s:6:"height";s:4:"1024";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 19
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 19
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/09/Box-Binder-cover-thumbnail.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/09/Box-Binder-cover-thumbnail.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:4:"1224";s:6:"height";s:4:"1584";s:14:"hwstring_small";s:22:"height='96' width='74'";s:4:"file";s:38:"2009/09/Box-Binder-cover-thumbnail.jpg";s:5:"sizes";a:3:{s:9:"thumbnail";a:3:{s:4:"file";s:38:"Box-Binder-cover-thumbnail-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:38:"Box-Binder-cover-thumbnail-231x300.jpg";s:5:"width";s:3:"231";s:6:"height";s:3:"300";}s:5:"large";a:3:{s:4:"file";s:39:"Box-Binder-cover-thumbnail-791x1024.jpg";s:5:"width";s:3:"791";s:6:"height";s:4:"1024";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:4:"1224";s:6:"height";s:4:"1584";s:14:"hwstring_small";s:22:"height='96' width='74'";s:4:"file";s:38:"2009/09/Box-Binder-cover-thumbnail.jpg";s:5:"sizes";a:3:{s:9:"thumbnail";a:3:{s:4:"file";s:38:"Box-Binder-cover-thumbnail-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:38:"Box-Binder-cover-thumbnail-231x300.jpg";s:5:"width";s:3:"231";s:6:"height";s:3:"300";}s:5:"large";a:3:{s:4:"file";s:39:"Box-Binder-cover-thumbnail-791x1024.jpg";s:5:"width";s:3:"791";s:6:"height";s:4:"1024";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 38
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 38
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_page_template
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_page_template
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: default
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: default
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 41
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 41
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1258781836
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1258781836
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 43
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 22
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/10/botox-frown-before.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/10/botox-frown-before.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 22
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:4:"1000";s:6:"height";s:4:"1012";s:14:"hwstring_small";s:22:"height='96' width='94'";s:4:"file";s:30:"2009/10/botox-frown-before.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:30:"botox-frown-before-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:30:"botox-frown-before-296x300.jpg";s:5:"width";s:3:"296";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:4:"1000";s:6:"height";s:4:"1012";s:14:"hwstring_small";s:22:"height='96' width='94'";s:4:"file";s:30:"2009/10/botox-frown-before.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:30:"botox-frown-before-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:30:"botox-frown-before-296x300.jpg";s:5:"width";s:3:"296";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 49
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 49
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1258781796
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1258781796
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 50
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 50
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 51
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 51
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 36
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 36
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/10/iStock_000008230777XSmall.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/10/iStock_000008230777XSmall.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 52
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 52
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 36
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 36
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"426";s:6:"height";s:3:"282";s:14:"hwstring_small";s:23:"height='84' width='128'";s:4:"file";s:37:"2009/10/iStock_000008230777XSmall.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:37:"iStock_000008230777XSmall-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:37:"iStock_000008230777XSmall-300x198.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"198";}}s:10:"image_meta";a:10:{s:8:"aperture";s:2:"18";s:6:"credit";s:0:"";s:6:"camera";s:10:"NIKON D300";s:7:"caption";s:0:"";s:17:"created_timestamp";s:10:"1231709666";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"56";s:3:"iso";s:3:"100";s:13:"shutter_speed";s:7:"0.00625";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"426";s:6:"height";s:3:"282";s:14:"hwstring_small";s:23:"height='84' width='128'";s:4:"file";s:37:"2009/10/iStock_000008230777XSmall.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:37:"iStock_000008230777XSmall-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:37:"iStock_000008230777XSmall-300x198.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"198";}}s:10:"image_meta";a:10:{s:8:"aperture";s:2:"18";s:6:"credit";s:0:"";s:6:"camera";s:10:"NIKON D300";s:7:"caption";s:0:"";s:17:"created_timestamp";s:10:"1231709666";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"56";s:3:"iso";s:3:"100";s:13:"shutter_speed";s:7:"0.00625";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 53
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 53
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 37
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 37
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/10/iStock_000008230777XSmall1.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/10/iStock_000008230777XSmall1.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 54
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 54
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 37
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 37
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"426";s:6:"height";s:3:"282";s:14:"hwstring_small";s:23:"height='84' width='128'";s:4:"file";s:38:"2009/10/iStock_000008230777XSmall1.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:38:"iStock_000008230777XSmall1-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:38:"iStock_000008230777XSmall1-300x198.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"198";}}s:10:"image_meta";a:10:{s:8:"aperture";s:2:"18";s:6:"credit";s:0:"";s:6:"camera";s:10:"NIKON D300";s:7:"caption";s:0:"";s:17:"created_timestamp";s:10:"1231709666";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"56";s:3:"iso";s:3:"100";s:13:"shutter_speed";s:7:"0.00625";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"426";s:6:"height";s:3:"282";s:14:"hwstring_small";s:23:"height='84' width='128'";s:4:"file";s:38:"2009/10/iStock_000008230777XSmall1.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:38:"iStock_000008230777XSmall1-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:38:"iStock_000008230777XSmall1-300x198.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"198";}}s:10:"image_meta";a:10:{s:8:"aperture";s:2:"18";s:6:"credit";s:0:"";s:6:"camera";s:10:"NIKON D300";s:7:"caption";s:0:"";s:17:"created_timestamp";s:10:"1231709666";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"56";s:3:"iso";s:3:"100";s:13:"shutter_speed";s:7:"0.00625";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 55
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 38
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 38
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/10/iStock_000008230777XSmall2.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/10/iStock_000008230777XSmall2.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 56
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 56
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 38
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 38
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"426";s:6:"height";s:3:"282";s:14:"hwstring_small";s:23:"height='84' width='128'";s:4:"file";s:38:"2009/10/iStock_000008230777XSmall2.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:38:"iStock_000008230777XSmall2-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:38:"iStock_000008230777XSmall2-300x198.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"198";}}s:10:"image_meta";a:10:{s:8:"aperture";s:2:"18";s:6:"credit";s:0:"";s:6:"camera";s:10:"NIKON D300";s:7:"caption";s:0:"";s:17:"created_timestamp";s:10:"1231709666";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"56";s:3:"iso";s:3:"100";s:13:"shutter_speed";s:7:"0.00625";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"426";s:6:"height";s:3:"282";s:14:"hwstring_small";s:23:"height='84' width='128'";s:4:"file";s:38:"2009/10/iStock_000008230777XSmall2.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:38:"iStock_000008230777XSmall2-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:38:"iStock_000008230777XSmall2-300x198.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"198";}}s:10:"image_meta";a:10:{s:8:"aperture";s:2:"18";s:6:"credit";s:0:"";s:6:"camera";s:10:"NIKON D300";s:7:"caption";s:0:"";s:17:"created_timestamp";s:10:"1231709666";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"56";s:3:"iso";s:3:"100";s:13:"shutter_speed";s:7:"0.00625";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 40
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 40
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/10/magic_bullet_marketing.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/10/magic_bullet_marketing.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 58
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 58
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 40
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 40
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"426";s:6:"height";s:3:"282";s:14:"hwstring_small";s:23:"height='84' width='128'";s:4:"file";s:34:"2009/10/magic_bullet_marketing.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:34:"magic_bullet_marketing-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:34:"magic_bullet_marketing-300x198.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"198";}}s:10:"image_meta";a:10:{s:8:"aperture";s:2:"18";s:6:"credit";s:0:"";s:6:"camera";s:10:"NIKON D300";s:7:"caption";s:0:"";s:17:"created_timestamp";s:10:"1231709666";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"56";s:3:"iso";s:3:"100";s:13:"shutter_speed";s:7:"0.00625";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"426";s:6:"height";s:3:"282";s:14:"hwstring_small";s:23:"height='84' width='128'";s:4:"file";s:34:"2009/10/magic_bullet_marketing.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:34:"magic_bullet_marketing-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:34:"magic_bullet_marketing-300x198.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"198";}}s:10:"image_meta";a:10:{s:8:"aperture";s:2:"18";s:6:"credit";s:0:"";s:6:"camera";s:10:"NIKON D300";s:7:"caption";s:0:"";s:17:"created_timestamp";s:10:"1231709666";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"56";s:3:"iso";s:3:"100";s:13:"shutter_speed";s:7:"0.00625";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 59
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 59
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/10/magic_bullet_marketing.png
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/10/magic_bullet_marketing.png
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 60
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 60
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"216";s:6:"height";s:2:"70";s:14:"hwstring_small";s:23:"height='41' width='128'";s:4:"file";s:34:"2009/10/magic_bullet_marketing.png";s:5:"sizes";a:1:{s:9:"thumbnail";a:3:{s:4:"file";s:33:"magic_bullet_marketing-150x70.png";s:5:"width";s:3:"150";s:6:"height";s:2:"70";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"216";s:6:"height";s:2:"70";s:14:"hwstring_small";s:23:"height='41' width='128'";s:4:"file";s:34:"2009/10/magic_bullet_marketing.png";s:5:"sizes";a:1:{s:9:"thumbnail";a:3:{s:4:"file";s:33:"magic_bullet_marketing-150x70.png";s:5:"width";s:3:"150";s:6:"height";s:2:"70";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 62
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 62
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1258781635
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1258781635
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 63
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 63
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 64
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 64
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 48
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 48
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/10/dali-clock-500x500.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/10/dali-clock-500x500.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 65
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 65
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 48
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 48
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"500";s:6:"height";s:3:"500";s:14:"hwstring_small";s:22:"height='96' width='96'";s:4:"file";s:30:"2009/10/dali-clock-500x500.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:30:"dali-clock-500x500-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:30:"dali-clock-500x500-300x300.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"500";s:6:"height";s:3:"500";s:14:"hwstring_small";s:22:"height='96' width='96'";s:4:"file";s:30:"2009/10/dali-clock-500x500.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:30:"dali-clock-500x500-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:30:"dali-clock-500x500-300x300.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 68
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 68
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 52
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 52
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1258781573
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1258781573
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 69
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 69
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 52
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 52
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 70
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 70
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 54
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 54
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/10/Assistant.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/10/Assistant.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 71
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 71
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 54
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 54
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"290";s:6:"height";s:3:"414";s:14:"hwstring_small";s:22:"height='96' width='67'";s:4:"file";s:21:"2009/10/Assistant.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:21:"Assistant-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:21:"Assistant-210x300.jpg";s:5:"width";s:3:"210";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:2:"16";s:6:"credit";s:0:"";s:6:"camera";s:10:"NIKON D200";s:7:"caption";s:64:"Portrait of the girl with a telephone tube on a white background";s:17:"created_timestamp";s:10:"1180818676";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"45";s:3:"iso";s:3:"100";s:13:"shutter_speed";s:5:"0.008";s:5:"title";s:8:"Portrait";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"290";s:6:"height";s:3:"414";s:14:"hwstring_small";s:22:"height='96' width='67'";s:4:"file";s:21:"2009/10/Assistant.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:21:"Assistant-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:21:"Assistant-210x300.jpg";s:5:"width";s:3:"210";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:2:"16";s:6:"credit";s:0:"";s:6:"camera";s:10:"NIKON D200";s:7:"caption";s:64:"Portrait of the girl with a telephone tube on a white background";s:17:"created_timestamp";s:10:"1180818676";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"45";s:3:"iso";s:3:"100";s:13:"shutter_speed";s:5:"0.008";s:5:"title";s:8:"Portrait";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 95
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 95
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 65
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 65
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1258781923
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1258781923
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 204
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 204
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 52
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 52
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _aioseop_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _aioseop_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Finding More Time for Marketing - Part 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Finding More Time for Marketing - Part 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 96
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 96
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 65
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 65
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 99
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 99
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 70
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 70
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/06/Madoff_sentenced.jpeg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/06/Madoff_sentenced.jpeg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 100
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 100
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 70
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 70
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:5:{s:5:"width";s:2:"80";s:6:"height";s:2:"80";s:14:"hwstring_small";s:22:"height='80' width='80'";s:4:"file";s:29:"2009/06/Madoff_sentenced.jpeg";s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:5:{s:5:"width";s:2:"80";s:6:"height";s:2:"80";s:14:"hwstring_small";s:22:"height='80' width='80'";s:4:"file";s:29:"2009/06/Madoff_sentenced.jpeg";s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1219
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1219
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 389
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 389
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _oembed_894dfe71ebeb243162b456ca0f37f31d
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _oembed_894dfe71ebeb243162b456ca0f37f31d
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: VIDEO
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: VIDEO
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 104
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 104
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 74
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 74
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/10/9508888-last-will-and-testament-document-on-old-paper-with-copyspace.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/10/9508888-last-will-and-testament-document-on-old-paper-with-copyspace.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 105
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 105
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 74
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 74
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"261";s:6:"height";s:3:"460";s:14:"hwstring_small";s:22:"height='96' width='54'";s:4:"file";s:80:"2009/10/9508888-last-will-and-testament-document-on-old-paper-with-copyspace.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:80:"9508888-last-will-and-testament-document-on-old-paper-with-copyspace-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:80:"9508888-last-will-and-testament-document-on-old-paper-with-copyspace-170x300.jpg";s:5:"width";s:3:"170";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:2:"10";s:6:"credit";s:0:"";s:6:"camera";s:9:"NIKON D80";s:7:"caption";s:0:"";s:17:"created_timestamp";s:10:"1243259545";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"50";s:3:"iso";s:3:"100";s:13:"shutter_speed";s:5:"0.008";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"261";s:6:"height";s:3:"460";s:14:"hwstring_small";s:22:"height='96' width='54'";s:4:"file";s:80:"2009/10/9508888-last-will-and-testament-document-on-old-paper-with-copyspace.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:80:"9508888-last-will-and-testament-document-on-old-paper-with-copyspace-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:80:"9508888-last-will-and-testament-document-on-old-paper-with-copyspace-170x300.jpg";s:5:"width";s:3:"170";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:2:"10";s:6:"credit";s:0:"";s:6:"camera";s:9:"NIKON D80";s:7:"caption";s:0:"";s:17:"created_timestamp";s:10:"1243259545";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"50";s:3:"iso";s:3:"100";s:13:"shutter_speed";s:5:"0.008";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1220
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1220
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 364
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 364
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _oembed_9d5a1f8f012b621007caf44190ad7f86
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _oembed_9d5a1f8f012b621007caf44190ad7f86
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: VIDEO
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: VIDEO
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1214
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1214
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 254
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 254
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_backup_sizes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_backup_sizes
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:3:{s:9:"full-orig";a:3:{s:5:"width";s:3:"488";s:6:"height";s:3:"366";s:4:"file";s:19:"Sen_Max_Baucus.jpeg";}s:14:"thumbnail-orig";a:3:{s:4:"file";s:26:"Sen_Max_Baucus-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:11:"medium-orig";a:3:{s:4:"file";s:26:"Sen_Max_Baucus-300x225.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"225";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:3:{s:9:"full-orig";a:3:{s:5:"width";s:3:"488";s:6:"height";s:3:"366";s:4:"file";s:19:"Sen_Max_Baucus.jpeg";}s:14:"thumbnail-orig";a:3:{s:4:"file";s:26:"Sen_Max_Baucus-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:11:"medium-orig";a:3:{s:4:"file";s:26:"Sen_Max_Baucus-300x225.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"225";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 116
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 116
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1275778278
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1275778278
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 117
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 117
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 118
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 118
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_page_template
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_page_template
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: pagewide.php
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: pagewide.php
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 119
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 119
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1261034812
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1261034812
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 120
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 120
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 121
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 121
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 106
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 106
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/11/Advisor_Cellphone.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/11/Advisor_Cellphone.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 122
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 122
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 106
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 106
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"425";s:6:"height";s:3:"282";s:14:"hwstring_small";s:23:"height='84' width='127'";s:4:"file";s:29:"2009/11/Advisor_Cellphone.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:29:"Advisor_Cellphone-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:29:"Advisor_Cellphone-300x199.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"199";}}s:10:"image_meta";a:10:{s:8:"aperture";s:3:"3.2";s:6:"credit";s:0:"";s:6:"camera";s:9:"NIKON D3X";s:7:"caption";s:0:"";s:17:"created_timestamp";s:10:"1232657109";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"50";s:3:"iso";s:3:"160";s:13:"shutter_speed";s:5:"0.008";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"425";s:6:"height";s:3:"282";s:14:"hwstring_small";s:23:"height='84' width='127'";s:4:"file";s:29:"2009/11/Advisor_Cellphone.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:29:"Advisor_Cellphone-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:29:"Advisor_Cellphone-300x199.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"199";}}s:10:"image_meta";a:10:{s:8:"aperture";s:3:"3.2";s:6:"credit";s:0:"";s:6:"camera";s:9:"NIKON D3X";s:7:"caption";s:0:"";s:17:"created_timestamp";s:10:"1232657109";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"50";s:3:"iso";s:3:"160";s:13:"shutter_speed";s:5:"0.008";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 145
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 145
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 129
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 129
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/11/DollarSign3.ico
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/11/DollarSign3.ico
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 146
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 146
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 129
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 129
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:0:{}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:0:{}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 167
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 167
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 134
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 134
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1258781881
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1258781881
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 168
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 168
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 134
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 134
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 169
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 169
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 138
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 138
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/11/fax_machine.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/11/fax_machine.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 170
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 170
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 138
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 138
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"284";s:6:"height";s:3:"423";s:14:"hwstring_small";s:22:"height='96' width='64'";s:4:"file";s:23:"2009/11/fax_machine.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:23:"fax_machine-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:23:"fax_machine-201x300.jpg";s:5:"width";s:3:"201";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:2:"11";s:6:"credit";s:7:"unknown";s:6:"camera";s:22:"Canon EOS 400D DIGITAL";s:7:"caption";s:54:"isolated technology fax with blank paper ready to edit";s:17:"created_timestamp";s:10:"1205965931";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"50";s:3:"iso";s:3:"100";s:13:"shutter_speed";s:15:"0.0333333333333";s:5:"title";s:23:"technology isolated fax";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"284";s:6:"height";s:3:"423";s:14:"hwstring_small";s:22:"height='96' width='64'";s:4:"file";s:23:"2009/11/fax_machine.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:23:"fax_machine-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:23:"fax_machine-201x300.jpg";s:5:"width";s:3:"201";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:2:"11";s:6:"credit";s:7:"unknown";s:6:"camera";s:22:"Canon EOS 400D DIGITAL";s:7:"caption";s:54:"isolated technology fax with blank paper ready to edit";s:17:"created_timestamp";s:10:"1205965931";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"50";s:3:"iso";s:3:"100";s:13:"shutter_speed";s:15:"0.0333333333333";s:5:"title";s:23:"technology isolated fax";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 175
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 175
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 145
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 145
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1258781446
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1258781446
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 176
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 176
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 145
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 145
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 177
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 177
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 146
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 146
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/11/carbonite.gif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/11/carbonite.gif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 178
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 178
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 146
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 146
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"259";s:6:"height";s:2:"54";s:14:"hwstring_small";s:23:"height='26' width='128'";s:4:"file";s:21:"2009/11/carbonite.gif";s:5:"sizes";a:1:{s:9:"thumbnail";a:3:{s:4:"file";s:20:"carbonite-150x54.gif";s:5:"width";s:3:"150";s:6:"height";s:2:"54";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"259";s:6:"height";s:2:"54";s:14:"hwstring_small";s:23:"height='26' width='128'";s:4:"file";s:21:"2009/11/carbonite.gif";s:5:"sizes";a:1:{s:9:"thumbnail";a:3:{s:4:"file";s:20:"carbonite-150x54.gif";s:5:"width";s:3:"150";s:6:"height";s:2:"54";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 179
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 179
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 148
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 148
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/11/Advisor-with-laptop-at-beach.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/11/Advisor-with-laptop-at-beach.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 180
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 180
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 148
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 148
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"424";s:6:"height";s:3:"283";s:14:"hwstring_small";s:23:"height='85' width='128'";s:4:"file";s:40:"2009/11/Advisor-with-laptop-at-beach.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:40:"Advisor-with-laptop-at-beach-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:40:"Advisor-with-laptop-at-beach-300x200.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"200";}}s:10:"image_meta";a:10:{s:8:"aperture";s:2:"13";s:6:"credit";s:0:"";s:6:"camera";s:10:"NIKON D200";s:7:"caption";s:0:"";s:17:"created_timestamp";s:10:"1192745238";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"36";s:3:"iso";s:3:"100";s:13:"shutter_speed";s:5:"0.008";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"424";s:6:"height";s:3:"283";s:14:"hwstring_small";s:23:"height='85' width='128'";s:4:"file";s:40:"2009/11/Advisor-with-laptop-at-beach.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:40:"Advisor-with-laptop-at-beach-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:40:"Advisor-with-laptop-at-beach-300x200.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"200";}}s:10:"image_meta";a:10:{s:8:"aperture";s:2:"13";s:6:"credit";s:0:"";s:6:"camera";s:10:"NIKON D200";s:7:"caption";s:0:"";s:17:"created_timestamp";s:10:"1192745238";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"36";s:3:"iso";s:3:"100";s:13:"shutter_speed";s:5:"0.008";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 183
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 183
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1259813076
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1259813076
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 184
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 184
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 185
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 185
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 155
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 155
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/11/Paper-Stack.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/11/Paper-Stack.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 186
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 186
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 155
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 155
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"321";s:6:"height";s:3:"374";s:14:"hwstring_small";s:22:"height='96' width='82'";s:4:"file";s:23:"2009/11/Paper-Stack.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:23:"Paper-Stack-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:23:"Paper-Stack-257x300.jpg";s:5:"width";s:3:"257";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:17:"michael balderas";s:6:"camera";s:26:"Sinarback 54 M, Hasselblad";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"321";s:6:"height";s:3:"374";s:14:"hwstring_small";s:22:"height='96' width='82'";s:4:"file";s:23:"2009/11/Paper-Stack.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:23:"Paper-Stack-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:23:"Paper-Stack-257x300.jpg";s:5:"width";s:3:"257";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:17:"michael balderas";s:6:"camera";s:26:"Sinarback 54 M, Hasselblad";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 203
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 203
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 52
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 52
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _aioseop_keywords
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _aioseop_keywords
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: time management, advisor marketing, practice expansion
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: time management, advisor marketing, practice expansion
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 212
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 212
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _show_navigation
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _show_navigation
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: show
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: show
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 213
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 213
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 214
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 214
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 215
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 215
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_page
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_page
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 216
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 216
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 218
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 218
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 179
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 179
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/11/gradient.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/11/gradient.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 219
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 219
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 179
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 179
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"800";s:6:"height";s:3:"304";s:14:"hwstring_small";s:23:"height='48' width='128'";s:4:"file";s:20:"2009/11/gradient.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:20:"gradient-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:20:"gradient-300x114.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"114";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"800";s:6:"height";s:3:"304";s:14:"hwstring_small";s:23:"height='48' width='128'";s:4:"file";s:20:"2009/11/gradient.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:20:"gradient-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:20:"gradient-300x114.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"114";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 220
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 220
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 180
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 180
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/11/header-bg.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/11/header-bg.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 221
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 221
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 180
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 180
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:5:{s:5:"width";s:2:"22";s:6:"height";s:3:"150";s:14:"hwstring_small";s:22:"height='96' width='14'";s:4:"file";s:21:"2009/11/header-bg.jpg";s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:5:{s:5:"width";s:2:"22";s:6:"height";s:3:"150";s:14:"hwstring_small";s:22:"height='96' width='14'";s:4:"file";s:21:"2009/11/header-bg.jpg";s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 222
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 222
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 181
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 181
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/11/nav.png
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/11/nav.png
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 223
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 223
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 181
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 181
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:5:{s:5:"width";s:2:"52";s:6:"height";s:2:"50";s:14:"hwstring_small";s:22:"height='50' width='52'";s:4:"file";s:15:"2009/11/nav.png";s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:5:{s:5:"width";s:2:"52";s:6:"height";s:2:"50";s:14:"hwstring_small";s:22:"height='50' width='52'";s:4:"file";s:15:"2009/11/nav.png";s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 224
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 224
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 182
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 182
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/11/nav2.png
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/11/nav2.png
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 225
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 225
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 182
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 182
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:5:{s:5:"width";s:2:"52";s:6:"height";s:2:"50";s:14:"hwstring_small";s:22:"height='50' width='52'";s:4:"file";s:16:"2009/11/nav2.png";s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:5:{s:5:"width";s:2:"52";s:6:"height";s:2:"50";s:14:"hwstring_small";s:22:"height='50' width='52'";s:4:"file";s:16:"2009/11/nav2.png";s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 226
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 226
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 183
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 183
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/11/nav3.png
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/11/nav3.png
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 227
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 227
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 183
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 183
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:5:{s:5:"width";s:2:"52";s:6:"height";s:2:"50";s:14:"hwstring_small";s:22:"height='50' width='52'";s:4:"file";s:16:"2009/11/nav3.png";s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:5:{s:5:"width";s:2:"52";s:6:"height";s:2:"50";s:14:"hwstring_small";s:22:"height='50' width='52'";s:4:"file";s:16:"2009/11/nav3.png";s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 231
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 231
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _show_navigation
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _show_navigation
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: show
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: show
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 232
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 232
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 233
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 233
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 234
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 234
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_page
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_page
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 235
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 235
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 236
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 236
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 238
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 238
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 239
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 239
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 240
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 240
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 242
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 242
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 243
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 243
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 189
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 189
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1261162277
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1261162277
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 244
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 244
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 189
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 189
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 245
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 189
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 189
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 246
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 246
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 189
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 189
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 247
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 247
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 189
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 189
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 248
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 248
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 189
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 189
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 273
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 273
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 215
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 215
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/12/icy-road.png
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/12/icy-road.png
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 274
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 274
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 215
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 215
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"425";s:6:"height";s:3:"282";s:14:"hwstring_small";s:23:"height='84' width='127'";s:4:"file";s:20:"2009/12/icy-road.png";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:20:"icy-road-150x150.png";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:20:"icy-road-300x199.png";s:5:"width";s:3:"300";s:6:"height";s:3:"199";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"425";s:6:"height";s:3:"282";s:14:"hwstring_small";s:23:"height='84' width='127'";s:4:"file";s:20:"2009/12/icy-road.png";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:20:"icy-road-150x150.png";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:20:"icy-road-300x199.png";s:5:"width";s:3:"300";s:6:"height";s:3:"199";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 268
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 268
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 189
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 189
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 322
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 322
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1261119712
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1261119712
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 277
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 277
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 278
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 278
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 279
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 279
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 280
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 280
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 281
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 281
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 282
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 282
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 219
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 219
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/12/Dragon_iPhone.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/12/Dragon_iPhone.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 283
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 283
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 219
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 219
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"220";s:6:"height";s:3:"330";s:14:"hwstring_small";s:22:"height='96' width='64'";s:4:"file";s:25:"2009/12/Dragon_iPhone.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:25:"Dragon_iPhone-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:25:"Dragon_iPhone-200x300.jpg";s:5:"width";s:3:"200";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"220";s:6:"height";s:3:"330";s:14:"hwstring_small";s:22:"height='96' width='64'";s:4:"file";s:25:"2009/12/Dragon_iPhone.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:25:"Dragon_iPhone-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:25:"Dragon_iPhone-200x300.jpg";s:5:"width";s:3:"200";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 329
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 329
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _aioseop_title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _aioseop_title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 330
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 330
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1261119535
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1261119535
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 336
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 336
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 337
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 337
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 338
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 338
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 339
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 339
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 406
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 406
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _oembed_9c2b178a0a9d0f3409c3cac1075103dc
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _oembed_9c2b178a0a9d0f3409c3cac1075103dc
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: VIDEO
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: VIDEO
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 354
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 354
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 254
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 254
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/12/Sen_Max_Baucus-e1353716557976.jpeg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/12/Sen_Max_Baucus-e1353716557976.jpeg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 334
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 334
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 243
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 243
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/12/Free-Chris-Anderson-300x300.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/12/Free-Chris-Anderson-300x300.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 335
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 335
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 243
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 243
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"300";s:6:"height";s:3:"300";s:14:"hwstring_small";s:22:"height='96' width='96'";s:4:"file";s:39:"2009/12/Free-Chris-Anderson-300x300.jpg";s:5:"sizes";a:1:{s:9:"thumbnail";a:3:{s:4:"file";s:39:"Free-Chris-Anderson-300x300-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"300";s:6:"height";s:3:"300";s:14:"hwstring_small";s:22:"height='96' width='96'";s:4:"file";s:39:"2009/12/Free-Chris-Anderson-300x300.jpg";s:5:"sizes";a:1:{s:9:"thumbnail";a:3:{s:4:"file";s:39:"Free-Chris-Anderson-300x300-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 355
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 355
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 254
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 254
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"333";s:6:"height";s:3:"333";s:14:"hwstring_small";s:22:"height='96' width='96'";s:4:"file";s:42:"2009/12/Sen_Max_Baucus-e1353716557976.jpeg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:42:"Sen_Max_Baucus-e1353716557976-150x150.jpeg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:42:"Sen_Max_Baucus-e1353716557976-300x300.jpeg";s:5:"width";s:3:"300";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"333";s:6:"height";s:3:"333";s:14:"hwstring_small";s:22:"height='96' width='96'";s:4:"file";s:42:"2009/12/Sen_Max_Baucus-e1353716557976.jpeg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:42:"Sen_Max_Baucus-e1353716557976-150x150.jpeg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:42:"Sen_Max_Baucus-e1353716557976-300x300.jpeg";s:5:"width";s:3:"300";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 357
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 357
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 257
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 257
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/09/One_Page_Biz_Plan.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/09/One_Page_Biz_Plan.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 358
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 358
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 257
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 257
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:5:{s:5:"width";s:3:"125";s:6:"height";s:3:"125";s:14:"hwstring_small";s:22:"height='96' width='96'";s:4:"file";s:29:"2009/09/One_Page_Biz_Plan.jpg";s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:5:{s:5:"width";s:3:"125";s:6:"height";s:3:"125";s:14:"hwstring_small";s:22:"height='96' width='96'";s:4:"file";s:29:"2009/09/One_Page_Biz_Plan.jpg";s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 366
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 366
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 260
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 260
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1262479772
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1262479772
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 360
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 360
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 361
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 361
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 362
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 362
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 363
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 363
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 364
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 364
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 367
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 367
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 260
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 260
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 368
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 368
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 260
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 260
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 369
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 369
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 260
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 260
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 370
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 370
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 260
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 260
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 371
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 371
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 260
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 260
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 372
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 372
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 266
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 266
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/12/harvard-logo.gif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/12/harvard-logo.gif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 373
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 373
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 266
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 266
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"150";s:6:"height";s:3:"153";s:14:"hwstring_small";s:22:"height='96' width='94'";s:4:"file";s:24:"2009/12/harvard-logo.gif";s:5:"sizes";a:1:{s:9:"thumbnail";a:3:{s:4:"file";s:24:"harvard-logo-150x150.gif";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"150";s:6:"height";s:3:"153";s:14:"hwstring_small";s:22:"height='96' width='94'";s:4:"file";s:24:"2009/12/harvard-logo.gif";s:5:"sizes";a:1:{s:9:"thumbnail";a:3:{s:4:"file";s:24:"harvard-logo-150x150.gif";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 375
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 375
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 260
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 260
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 389
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 389
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 271
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 271
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1262459683
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1262459683
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 390
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 390
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 271
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 271
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 391
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 391
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 271
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 271
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 392
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 392
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 271
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 271
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 393
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 393
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 271
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 271
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 271
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 271
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 396
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 396
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 271
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 271
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 398
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 398
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1262459642
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1262459642
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 399
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 399
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 400
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 400
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 401
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 401
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 402
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 402
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 403
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 403
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 404
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 404
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 280
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 280
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009/12/1054259-us-capitol-dome.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009/12/1054259-us-capitol-dome.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 405
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 405
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 280
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 280
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"282";s:6:"height";s:3:"426";s:14:"hwstring_small";s:22:"height='96' width='63'";s:4:"file";s:35:"2009/12/1054259-us-capitol-dome.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:35:"1054259-us-capitol-dome-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:35:"1054259-us-capitol-dome-198x300.jpg";s:5:"width";s:3:"198";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:3:"9.5";s:6:"credit";s:0:"";s:6:"camera";s:10:"NIKON D100";s:7:"caption";s:0:"";s:17:"created_timestamp";s:10:"1066518541";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"66";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:10:"0.00285714";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"282";s:6:"height";s:3:"426";s:14:"hwstring_small";s:22:"height='96' width='63'";s:4:"file";s:35:"2009/12/1054259-us-capitol-dome.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:35:"1054259-us-capitol-dome-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:35:"1054259-us-capitol-dome-198x300.jpg";s:5:"width";s:3:"198";s:6:"height";s:3:"300";}}s:10:"image_meta";a:10:{s:8:"aperture";s:3:"9.5";s:6:"credit";s:0:"";s:6:"camera";s:10:"NIKON D100";s:7:"caption";s:0:"";s:17:"created_timestamp";s:10:"1066518541";s:9:"copyright";s:0:"";s:12:"focal_length";s:2:"66";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:10:"0.00285714";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 407
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 407
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 409
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 409
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 286
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 286
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1262459605
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1262459605
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 410
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 410
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 286
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 286
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 411
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 411
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 286
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 286
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _image-alignment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _image-alignment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post-image-right
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: post-image-right
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 412
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 412
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 286
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 286
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 413
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 413
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 286
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 286
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 414
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 414
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 286
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 286
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 415
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 415
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 286
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 286
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 417
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 417
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 286
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 286
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 419
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 419
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1262459557
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1262459557
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 420
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 420
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 421
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 421
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _image-alignment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _image-alignment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post-image-right
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: post-image-right
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 422
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 422
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 423
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 423
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 424
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 424
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 425
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 425
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 426
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 426
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 298
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 298
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Taxed_Enough_Already.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Taxed_Enough_Already.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 427
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 427
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 298
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 298
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:5:{s:5:"width";s:2:"97";s:6:"height";s:3:"121";s:14:"hwstring_small";s:22:"height='96' width='76'";s:4:"file";s:24:"Taxed_Enough_Already.jpg";s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:5:{s:5:"width";s:2:"97";s:6:"height";s:3:"121";s:14:"hwstring_small";s:22:"height='96' width='76'";s:4:"file";s:24:"Taxed_Enough_Already.jpg";s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 429
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 429
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 437
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 437
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 304
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 304
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: happy-2010.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: happy-2010.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 438
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 438
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 304
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 304
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"500";s:6:"height";s:3:"203";s:14:"hwstring_small";s:23:"height='51' width='128'";s:4:"file";s:14:"happy-2010.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:22:"happy-2010-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:22:"happy-2010-300x121.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"121";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"500";s:6:"height";s:3:"203";s:14:"hwstring_small";s:23:"height='51' width='128'";s:4:"file";s:14:"happy-2010.jpg";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:22:"happy-2010-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:22:"happy-2010-300x121.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"121";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 441
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 441
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _image-alignment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _image-alignment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post-image-right
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: post-image-right
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 442
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 442
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 443
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 443
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 444
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 444
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 445
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 445
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 446
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 446
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1262459425
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1262459425
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 447
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 447
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 449
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 449
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 450
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 450
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 309
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_old_slug
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_old_slug
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: advisor-marketing-goals-2010
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: advisor-marketing-goals-2010
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 458
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 458
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 276
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _image-alignment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _image-alignment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post-image-right
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: post-image-right
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 460
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 460
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 271
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 271
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _image-alignment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _image-alignment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post-image-right
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: post-image-right
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 462
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 462
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 260
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 260
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _image-alignment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _image-alignment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post-image-right
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: post-image-right
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 463
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 463
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1262487754
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1262487754
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 464
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 464
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 465
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 465
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _image-alignment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _image-alignment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post-image-right
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: post-image-right
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 466
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 466
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 467
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 467
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 468
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 468
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 469
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 469
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 470
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 470
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 326
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 326
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Madoff2.png
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Madoff2.png
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 471
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 471
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 326
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 326
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"200";s:6:"height";s:3:"192";s:14:"hwstring_small";s:23:"height='96' width='100'";s:4:"file";s:11:"Madoff2.png";s:5:"sizes";a:1:{s:9:"thumbnail";a:3:{s:4:"file";s:19:"Madoff2-150x150.png";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"200";s:6:"height";s:3:"192";s:14:"hwstring_small";s:23:"height='96' width='100'";s:4:"file";s:11:"Madoff2.png";s:5:"sizes";a:1:{s:9:"thumbnail";a:3:{s:4:"file";s:19:"Madoff2-150x150.png";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 544
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 544
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 386
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 386
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 473
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 473
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 474
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 474
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1262636995
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1262636995
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 475
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 475
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 476
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 476
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _image-alignment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _image-alignment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post-image-right
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: post-image-right
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 477
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 477
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 478
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 478
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow_links
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 479
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 479
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _post_to_twitter
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 480
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 480
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _hide_breadcrumbs
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 543
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 543
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 386
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 386
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 482
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 482
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _published
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 542
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 542
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 386
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 386
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 487
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 487
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 176
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 176
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1262737917
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1262737917
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 488
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 488
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 176
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 176
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 176
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 176
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_page_template
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_page_template
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: default
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: default
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 490
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 490
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 176
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 176
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 491
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 491
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 176
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 176
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 492
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 492
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_lock
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1266429981
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1266429981
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 493
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 493
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _edit_last
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 494
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 494
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _noindex
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 495
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 495
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _nofollow
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _nofollow
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 496
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 496
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 351
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 351
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attached_file
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Egg_origami_bird.png
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Egg_origami_bird.png
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 497
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 497
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 351
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 351
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _wp_attachment_metadata
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"425";s:6:"height";s:3:"282";s:14:"hwstring_small";s:23:"height='84' width='127'";s:4:"file";s:20:"Egg_origami_bird.png";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:28:"Egg_origami_bird-150x150.png";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:28:"Egg_origami_bird-300x199.png";s:5:"width";s:3:"300";s:6:"height";s:3:"199";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"425";s:6:"height";s:3:"282";s:14:"hwstring_small";s:23:"height='84' width='127'";s:4:"file";s:20:"Egg_origami_bird.png";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:28:"Egg_origami_bird-150x150.png";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:28:"Egg_origami_bird-300x199.png";s:5:"width";s:3:"300";s:6:"height";s:3:"199";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 498
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 498
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _title
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _title
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial Advisors' Dilemma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial Advisors' Dilemma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 499
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _description
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _description
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: For financial advisors, now is the best of times and the worst of times. Out-of-control government spending, massive deficits, and dicey markets combine to make investing much more challenging for everyone. Including financial advisors. Should investors stay in the market or go to cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: For financial advisors, now is the best of times and the worst of times. Out-of-control government spending, massive deficits, and dicey markets combine to make investing much more challenging for everyone. Including financial advisors. Should investors stay in the market or go to cash?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 500
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 500
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _keywords
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: advisor marketing, financial advisor marketing, richard emmons, bear market, stock market, grow assets under management
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: advisor marketing, financial advisor marketing, richard emmons, bear market, stock market, grow assets under management
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: _edit_last
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Send Richard an email:
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Send Richard an email:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1164
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1164
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: mail
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: mail
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:7:{s:7:"subject";s:14:"[your-subject]";s:6:"sender";s:26:"[your-name] <[your-email]>";s:4:"body";s:193:"From: [your-name] <[your-email]>
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[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:7:{s:7:"subject";s:14:"[your-subject]";s:6:"sender";s:26:"[your-name] <[your-email]>";s:4:"body";s:179:"From: [your-name] <[your-email]>
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1165
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 927
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 927
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: mail_2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: mail_2
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:8:{s:6:"active";s:0:"";s:7:"subject";s:14:"[your-subject]";s:6:"sender";s:26:"[your-name] <[your-email]>";s:4:"body";s:135:"Message body:
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[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:8:{s:6:"active";s:0:"";s:7:"subject";s:14:"[your-subject]";s:6:"sender";s:26:"[your-name] <[your-email]>";s:4:"body";s:121:"Message body:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1166
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 927
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: messages
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: messages
[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:13:{s:12:"mail_sent_ok";s:43:"Your message was sent successfully. Thanks.";s:12:"mail_sent_ng";s:84:"Failed to send your message. Please try later or contact administrator by other way.";s:17:"akismet_says_spam";s:84:"Failed to send your message. Please try later or contact administrator by other way.";s:16:"validation_error";s:74:"Validation errors occurred. Please confirm the fields and submit it again.";s:12:"accept_terms";s:35:"Please accept the terms to proceed.";s:13:"invalid_email";s:28:"Email address seems invalid.";s:16:"invalid_required";s:31:"Please fill the required field.";s:13:"upload_failed";s:22:"Failed to upload file.";s:24:"upload_file_type_invalid";s:30:"This file type is not allowed.";s:21:"upload_file_too_large";s:23:"This file is too large.";s:23:"upload_failed_php_error";s:38:"Failed to upload file. Error occurred.";s:23:"quiz_answer_not_correct";s:27:"Your answer is not correct.";s:17:"captcha_not_match";s:31:"Your entered code is incorrect.";}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:13:{s:12:"mail_sent_ok";s:43:"Your message was sent successfully. Thanks.";s:12:"mail_sent_ng";s:84:"Failed to send your message. Please try later or contact administrator by other way.";s:17:"akismet_says_spam";s:84:"Failed to send your message. Please try later or contact administrator by other way.";s:16:"validation_error";s:74:"Validation errors occurred. Please confirm the fields and submit it again.";s:12:"accept_terms";s:35:"Please accept the terms to proceed.";s:13:"invalid_email";s:28:"Email address seems invalid.";s:16:"invalid_required";s:31:"Please fill the required field.";s:13:"upload_failed";s:22:"Failed to upload file.";s:24:"upload_file_type_invalid";s:30:"This file type is not allowed.";s:21:"upload_file_too_large";s:23:"This file is too large.";s:23:"upload_failed_php_error";s:38:"Failed to upload file. Error occurred.";s:23:"quiz_answer_not_correct";s:27:"Your answer is not correct.";s:17:"captcha_not_match";s:31:"Your entered code is incorrect.";}
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1171
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[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:5:{s:6:"active";s:0:"";s:7:"subject";s:14:"[your-subject]";s:6:"sender";s:26:"[your-name] <[your-email]>";s:4:"body";s:121:"Message body:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: messages
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[Aug 5, 2013, 7:05PM-all] Serialized ORIGINAL data: a:6:{s:5:"width";s:3:"640";s:6:"height";s:3:"410";s:14:"hwstring_small";s:23:"height='82' width='128'";s:4:"file";s:42:"Zsa-Zsas-husband-anniversary-billboard.jpg";s:5:"sizes";a:3:{s:9:"thumbnail";a:3:{s:4:"file";s:50:"Zsa-Zsas-husband-anniversary-billboard-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:50:"Zsa-Zsas-husband-anniversary-billboard-300x192.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"192";}s:14:"post-thumbnail";a:3:{s:4:"file";s:49:"Zsa-Zsas-husband-anniversary-billboard-150x96.jpg";s:5:"width";s:3:"150";s:6:"height";s:2:"96";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:13:"For The Times";s:6:"camera";s:0:"";s:7:"caption";s:334:"WEST HOLLYWOOD, CA - July 27, 2011: Prince Frederic von Anhalt talks to the press in front of the 44-foot billboard he purchased for $68,000 as a gift to his wife, Zsa Zsa Gabor, in celebration of their 25th wedding anniversary on August 14th. The billboard is on Sunset Boulevard in West Hollywood. (Katie Falkenberg / For The Times)";s:17:"created_timestamp";s:10:"1311795028";s:9:"copyright";s:20:"© Los Angeles Times";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:13:"la-me-zsa-zsa";}}
[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"640";s:6:"height";s:3:"410";s:14:"hwstring_small";s:23:"height='82' width='128'";s:4:"file";s:42:"Zsa-Zsas-husband-anniversary-billboard.jpg";s:5:"sizes";a:3:{s:9:"thumbnail";a:3:{s:4:"file";s:50:"Zsa-Zsas-husband-anniversary-billboard-150x150.jpg";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:6:"medium";a:3:{s:4:"file";s:50:"Zsa-Zsas-husband-anniversary-billboard-300x192.jpg";s:5:"width";s:3:"300";s:6:"height";s:3:"192";}s:14:"post-thumbnail";a:3:{s:4:"file";s:49:"Zsa-Zsas-husband-anniversary-billboard-150x96.jpg";s:5:"width";s:3:"150";s:6:"height";s:2:"96";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:13:"For The Times";s:6:"camera";s:0:"";s:7:"caption";s:334:"WEST HOLLYWOOD, CA - July 27, 2011: Prince Frederic von Anhalt talks to the press in front of the 44-foot billboard he purchased for $68,000 as a gift to his wife, Zsa Zsa Gabor, in celebration of their 25th wedding anniversary on August 14th. The billboard is on Sunset Boulevard in West Hollywood. (Katie Falkenberg / For The Times)";s:17:"created_timestamp";s:10:"1311795028";s:9:"copyright";s:20:"© Los Angeles Times";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:13:"la-me-zsa-zsa";}}
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Zsa Zsa Gabor Never Said,
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Zsa Zsa Gabor Never Said,
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: A living trust would have avoided conservatorship and kept this sad tale out of the public eye. Let's hope Zsa Zsa gets a living trust set up so she can avoid a probate when she dies. This will keep her financial situation private and help her minimize estate taxes. The Los Angeles Times reported today that "Zsa Zsa Gabor's husband scored a legal victory on Wednesday when a Los Angeles judge approved an agreement naming him the ailing actress' conservator for the next six months."
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: A living trust would have avoided conservatorship and kept this sad tale out of the public eye. Let's hope Zsa Zsa gets a living trust set up so she can avoid a probate when she dies. This will keep her financial situation private and help her minimize estate taxes. The Los Angeles Times reported today that "Zsa Zsa Gabor's husband scored a legal victory on Wednesday when a Los Angeles judge approved an agreement naming him the ailing actress' conservator for the next six months."
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1183
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: _keywords
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Zsa Zsa Gabor, living trust, advisor marketing, living trust seminar
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Zsa Zsa Gabor, living trust, advisor marketing, living trust seminar
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[Aug 5, 2013, 7:05PM-all] Serialized EDITED data: a:6:{s:5:"width";s:3:"250";s:6:"height";s:3:"250";s:14:"hwstring_small";s:22:"height='96' width='96'";s:4:"file";s:20:"inertia_ipod_boy.png";s:5:"sizes";a:2:{s:9:"thumbnail";a:3:{s:4:"file";s:28:"inertia_ipod_boy-150x150.png";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}s:14:"post-thumbnail";a:3:{s:4:"file";s:28:"inertia_ipod_boy-150x150.png";s:5:"width";s:3:"150";s:6:"height";s:3:"150";}}s:10:"image_meta";a:10:{s:8:"aperture";s:1:"0";s:6:"credit";s:0:"";s:6:"camera";s:0:"";s:7:"caption";s:0:"";s:17:"created_timestamp";s:1:"0";s:9:"copyright";s:0:"";s:12:"focal_length";s:1:"0";s:3:"iso";s:1:"0";s:13:"shutter_speed";s:1:"0";s:5:"title";s:0:"";}}
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Will The Estate Tax Boomerang As We Go Over The Fiscal Cliff?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Will The Estate Tax Boomerang As We Go Over The Fiscal Cliff?
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Many people are wondering what will happen to the estate tax now that the election is over. Among the Bush-era tax cuts set to expire is the federal estate tax exemption of $5.12 million. This will fall back to just $1 million where it was in 2001.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Many people are wondering what will happen to the estate tax now that the election is over. Among the Bush-era tax cuts set to expire is the federal estate tax exemption of $5.12 million. This will fall back to just $1 million where it was in 2001.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: fiscal cliff, estate tax, federal estate tax
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor."
Be sure to give one to your friend at your high school reunion.
But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor."
Be sure to give one to your friend at your high school reunion.
But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Family Living Trust Seminar-in-a-Box
One of the the keys to getting more assets under management is attracting the attention of prospects and quickly building trust.
This proven estate planning system puts you in front of people with assets through proven ads. You gain respect and build trust by teaching attendees life-altering things his existing advisor, attorney, or CPA never mentioned such as:
How Will Planning and Joint Tenancy won't protect his wife if he gets Alzheimer's.
How a living trust can prevent the expense and embarrassment of conservatorship.
How a living trust avoids the agony, expense, and delays of probate.
And how a living trust can help minimize state and federal estate taxes.
You'll learn closing techniques to persuade attendees to schedule first appointments and turn the attorney's trust clients to become your planning clients.
You can read about Richard's estate planning seminar system which makes the advisor the quarterback of an estate planning team. The "Family Living Trust Seminar-in-a-Box" system is licensed to advisors on an area exclusive basis. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Family Living Trust Seminar-in-a-Box
One of the the keys to getting more assets under management is attracting the attention of prospects and quickly building trust.
This proven estate planning system puts you in front of people with assets through proven ads. You gain respect and build trust by teaching attendees life-altering things his existing advisor, attorney, or CPA never mentioned such as:
How Will Planning and Joint Tenancy won't protect his wife if he gets Alzheimer's.
How a living trust can prevent the expense and embarrassment of conservatorship.
How a living trust avoids the agony, expense, and delays of probate.
And how a living trust can help minimize state and federal estate taxes.
You'll learn closing techniques to persuade attendees to schedule first appointments and turn the attorney's trust clients to become your planning clients.
You can read about Richard's estate planning seminar system which makes the advisor the quarterback of an estate planning team. The "Family Living Trust Seminar-in-a-Box" system is licensed to advisors on an area exclusive basis. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Resources
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Family Living Trust Seminar-in-a-Box
One of the the keys to getting more assets under management is attracting the attention of prospects and quickly building trust.
This proven estate planning system puts you in front of people with assets through proven ads. You gain respect and build trust by teaching attendees life-altering things his existing advisor, attorney, or CPA never mentioned such as:
How Will Planning and Joint Tenancy won't protect his wife if he gets Alzheimer's.
How a living trust can prevent the expense and embarrassment of conservatorship.
How a living trust avoids the agony, expense, and delays of probate.
And how a living trust can help minimize state and federal estate taxes.
You'll learn closing techniques to persuade attendees to schedule first appointments and turn the attorney's trust clients to become your planning clients.
You can read about Richard's estate planning seminar system which makes the advisor the quarterback of an estate planning team. The "Family Living Trust Seminar-in-a-Box" system is licensed to advisors on an area exclusive basis. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Family Living Trust Seminar-in-a-Box
One of the the keys to getting more assets under management is attracting the attention of prospects and quickly building trust.
This proven estate planning system puts you in front of people with assets through proven ads. You gain respect and build trust by teaching attendees life-altering things his existing advisor, attorney, or CPA never mentioned such as:
How Will Planning and Joint Tenancy won't protect his wife if he gets Alzheimer's.
How a living trust can prevent the expense and embarrassment of conservatorship.
How a living trust avoids the agony, expense, and delays of probate.
And how a living trust can help minimize state and federal estate taxes.
You'll learn closing techniques to persuade attendees to schedule first appointments and turn the attorney's trust clients to become your planning clients.
You can read about Richard's estate planning seminar system which makes the advisor the quarterback of an estate planning team. The "Family Living Trust Seminar-in-a-Box" system is licensed to advisors on an area exclusive basis. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Resources
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Family Living Trust Seminar-in-a-Box
One of the the key to getting more assets under management is building trust with prospective clients.
You can use "drip marketing" to nurture prospects into clients with helpful articles, letters, and e-zines over many months. Jim Cecil of NurtureMarketing.com says it takes an average of 47 months for an investor to change advisors. That's a long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor life-altering things his existing advisor, attorney, or CPA has never mentioned including....
How Will Planning and Joint Tenancy won't protect his wife if he gets Alzheimer's.
How a living trust can prevent the expense and embarrassment of conservatorship.
How a living trust avoids the agony, expense, and delays of probate.
And how a living trust can help minimize state and federal estate taxes.
You can read about my estate planning seminar system which makes the advisor the quarterback and provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Family Living Trust Seminar-in-a-Box
One of the the key to getting more assets under management is building trust with prospective clients.
You can use "drip marketing" to nurture prospects into clients with helpful articles, letters, and e-zines over many months. Jim Cecil of NurtureMarketing.com says it takes an average of 47 months for an investor to change advisors. That's a long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor life-altering things his existing advisor, attorney, or CPA has never mentioned including....
How Will Planning and Joint Tenancy won't protect his wife if he gets Alzheimer's.
How a living trust can prevent the expense and embarrassment of conservatorship.
How a living trust avoids the agony, expense, and delays of probate.
And how a living trust can help minimize state and federal estate taxes.
You can read about my estate planning seminar system which makes the advisor the quarterback and provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Resources
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: This is an example of a WordPress page, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many pages like this one or sub-pages as you like and manage all of your content inside of WordPress.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: This is an example of a WordPress page, you could edit this to put information about yourself or your site so readers know where you are coming from. You can create as many pages like this one or sub-pages as you like and manage all of your content inside of WordPress.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The key to getting more assets under management is building trust with prospective clients.
You can use "drip marketing" to nurture prospects into clients with helpful articles, letters, and e-zines over many months. Jim Cecil of NurtureMarketing.com says it takes an average of 47 months for an investor to change advisors.
Or you can use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The key to getting more assets under management is building trust with prospective clients.
You can use "drip marketing" to nurture prospects into clients with helpful articles, letters, and e-zines over many months. Jim Cecil of NurtureMarketing.com says it takes an average of 47 months for an investor to change advisors.
Or you can use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Seminars
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/?p=5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=5
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The One Page Business Plan" for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The One Page Business Plan" for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/?p=6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=6
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous line speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll also help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous line speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll also help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous line speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll also help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous line speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll also help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/6-revision-2/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The One Page Business Plan" for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The One Page Business Plan" for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/6-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/6-autosave/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous line speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll also help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous line speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll also help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/6-revision-3/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous line speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll also help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous line speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll also help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/6-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/6-revision-4/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous line speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll also help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous line speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll also help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The One Page Business Plan by Jim Hogan
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The One Page Business Plan by Jim Hogan
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/6-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/6-revision-5/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous line speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll also help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous line speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll also help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The One Page Business Plan" by Jim Hogan
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The One Page Business Plan" by Jim Hogan
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/6-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/6-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll also help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll also help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The One Page Business Plan" by Jim Hogan
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The One Page Business Plan" by Jim Hogan
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/6-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/6-revision-7/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy seniors magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town.
Creating a high glitz, beautiful, Flash-based website which gets no traffic and is instantly static
Almost any unproven, untested marketing activity done in haste qualifies as a magic bullet marketing activity. Or anything requiring "just a few minutes of your time and your major credit card...."
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy seniors magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town.
Creating a high glitz, beautiful, Flash-based website which gets no traffic and is instantly static
Almost any unproven, untested marketing activity done in haste qualifies as a magic bullet marketing activity. Or anything requiring "just a few minutes of your time and your major credit card...."
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/?p=28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=28
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/2009/09/Box-Binder-covers-seminar-only-7-29-jpeg.jpg
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: www.MyLivingTrustSeminar.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: www.MyLivingTrustSeminar.com
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The key to getting more assets under management is building trust with prospective clients.
You can use "drip marketing" to nurture prospects into clients with helpful articles, letters, and e-zines over many months. Jim Cecil of NurtureMarketing.com says it takes an average of 47 months for an investor to change advisors.
Or you can use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The key to getting more assets under management is building trust with prospective clients.
You can use "drip marketing" to nurture prospects into clients with helpful articles, letters, and e-zines over many months. Jim Cecil of NurtureMarketing.com says it takes an average of 47 months for an investor to change advisors.
Or you can use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Seminars
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/2-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/2-revision-3/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor."
Be sure to give one to your friend at your high school reunion.
But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor."
Be sure to give one to your friend at your high school reunion.
But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Developing Your "Marketing Mindset"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Developing Your "Marketing Mindset"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: marketing-mindset
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: marketing-mindset
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-21 05:37:16
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/?p=18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-20 11:00:28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-20 11:00:28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-20 18:00:28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-20 18:00:28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? and require close attention during recruiting, hiring and training.
to meet someone new, every client interaction, and every tangible and intangible part of his business
Marketing mindset
Business growth mindset
Why grow your business?
A different way to view your business.
Hidden growth assets. Compare to fixed assets. Value to business.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? and require close attention during recruiting, hiring and training.
to meet someone new, every client interaction, and every tangible and intangible part of his business
Marketing mindset
Business growth mindset
Why grow your business?
A different way to view your business.
Hidden growth assets. Compare to fixed assets. Value to business.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Developing Your "Marketing Mindset"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Developing Your "Marketing Mindset"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 18-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18-revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-20 11:00:28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-20 11:00:28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-20 18:00:28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-20 18:00:28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/18-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/18-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-20 11:37:36
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-20 11:37:36
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-20 18:37:36
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-20 18:37:36
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
None of this matters if your receptionist greets your office visitors with a frown or a grunt. If your receptionist has to "turn on the charm" because her default position is "strictly business" you have a problem in the making. Your receptionist ought to care enough about people to chit chat while the client waits. Perhaps offers some coffee, tea or water upon their arrival. Ideally she knows what they like to drink and gets it without asking. This does several things for you:
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Finan
Business growth mindset
Why grow your business?
A different way to view your business.
Hidden growth assets. Compare to fixed assets. Value to business.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
None of this matters if your receptionist greets your office visitors with a frown or a grunt. If your receptionist has to "turn on the charm" because her default position is "strictly business" you have a problem in the making. Your receptionist ought to care enough about people to chit chat while the client waits. Perhaps offers some coffee, tea or water upon their arrival. Ideally she knows what they like to drink and gets it without asking. This does several things for you:
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Finan
Business growth mindset
Why grow your business?
A different way to view your business.
Hidden growth assets. Compare to fixed assets. Value to business.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Developing Your "Marketing Mindset"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Developing Your "Marketing Mindset"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18-revision-2
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/18-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/18-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Frowning receptionist
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Frowning receptionist
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/wp-content/uploads/2009/10/botox-frown-before.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/2009/10/botox-frown-before.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
None of this matters if your receptionist greets your office visitors with a frown or a grunt. If your receptionist has to "turn on the charm" because her default position is "strictly business" you have a problem in the making. Your receptionist ought to care enough about people to chit chat while the client waits. Perhaps offers some coffee, tea or water upon their arrival. Ideally she knows what they like to drink and gets it without asking. This does several things for you:
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor." Give one to your friend at your high school reunion. But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele
Business growth mindset
Why grow your business?
A different way to view your business.
Hidden growth assets. Compare to fixed assets. Value to business.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
None of this matters if your receptionist greets your office visitors with a frown or a grunt. If your receptionist has to "turn on the charm" because her default position is "strictly business" you have a problem in the making. Your receptionist ought to care enough about people to chit chat while the client waits. Perhaps offers some coffee, tea or water upon their arrival. Ideally she knows what they like to drink and gets it without asking. This does several things for you:
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor." Give one to your friend at your high school reunion. But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele
Business growth mindset
Why grow your business?
A different way to view your business.
Hidden growth assets. Compare to fixed assets. Value to business.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Developing Your "Marketing Mindset"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Developing Your "Marketing Mindset"
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/18-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/18-revision-3/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor."
Be sure to give one to your friend at your high school reunion.
But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor."
Be sure to give one to your friend at your high school reunion.
But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Developing Your "Marketing Mindset"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Developing Your "Marketing Mindset"
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/18-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/18-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor."
Be sure to give one to your friend at your high school reunion.
But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor."
Be sure to give one to your friend at your high school reunion.
But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Developing Your "Marketing Mindset"
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/18-revision-6/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor."
Be sure to give one to your friend at your high school reunion.
But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor."
Be sure to give one to your friend at your high school reunion.
But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Developing Your "Marketing Mindset"
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll also help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll also help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The One Page Business Plan" by Jim Hogan
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The One Page Business Plan" by Jim Hogan
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
Because you'll probably end up wasting time and money and the effort will not succeed. Ouch.
I tell my clients that there is no magic marketing bullet which can easily and instantly expand your practice. I tell this to prospects because I don't want a client with unrealistic expectations.
You do the same thing when someone who has lost 40% of his retirement portfolio wants to make it back in the next year.
Laying the foundation for growing your business
Time management
The E-Myth by Michael Gerber (link to Amazon.com with Richardsentme)
Work on your business not just in it.
Less stress and more fun.
Plan your days…do what’s most important. Napoleon Hill story? $25k payment.
Weekly meetings
Cost Control – It takes money to make money
Strategic v. Nonstrategic costs (Flannery link)
Spend your time or spend your money
Do it yourself and take longer OR hire someone to do it for you; i.e. doing your taxes.
If you outsource, have a basic understanding of what is going on; you are responsible for everything that happens in your company.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
Because you'll probably end up wasting time and money and the effort will not succeed. Ouch.
I tell my clients that there is no magic marketing bullet which can easily and instantly expand your practice. I tell this to prospects because I don't want a client with unrealistic expectations.
You do the same thing when someone who has lost 40% of his retirement portfolio wants to make it back in the next year.
Laying the foundation for growing your business
Time management
The E-Myth by Michael Gerber (link to Amazon.com with Richardsentme)
Work on your business not just in it.
Less stress and more fun.
Plan your days…do what’s most important. Napoleon Hill story? $25k payment.
Weekly meetings
Cost Control – It takes money to make money
Strategic v. Nonstrategic costs (Flannery link)
Spend your time or spend your money
Do it yourself and take longer OR hire someone to do it for you; i.e. doing your taxes.
If you outsource, have a basic understanding of what is going on; you are responsible for everything that happens in your company.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Laying the foundations for growing your practice
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Laying the foundations for growing your practice
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28-revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 09:28:29
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 09:28:29
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 16:28:29
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 16:28:29
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/28-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/28-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 30
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 30
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 09:54:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 09:54:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 16:54:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 16:54:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
Because you'll probably end up wasting time and money and the effort will not succeed. Ouch.
I tell my clients that there is no magic marketing bullet which can easily and instantly expand your practice. I tell this to prospects because I don't want a client with unrealistic expectations. Would you?
Imagine someone named "Bob" calls your office and sets an initial consult. After introductions, you ask him what he wants you to do for him. Bob says with a straight face, "I lost 40% of my retirement portfolio when the market tanked. My current advisor pulled it out at the bottom so I missed the bounce. I want you to make up my losses in the next year. Can you do it?"
He throws his quarterly statement on your desk and you notice he has a million dollars in his account. Nice.
Time to bring Bob back down to earth, "Do you realize that making up a 40% drop in one year would require earning 67% on your money?"
Bob replies, "I don't want to take on that kind of risk at my age. What are my options?"
You explain how some combination of time and money can get his retirement portfolio back where it was. "You can increase your monthly contributions to the max and stretch out your time horizon to 5 years. This eliminates the need to use risky investments so you're much more likely to reach your goal."
Bob likes the sound of this and you land the account. Congratulations!
Now what does this story have to do with growing your practice?
If Bob had pressed you a bit, you might tell him there are no magic bullet investments that give high returns quickly with low risk.
The same thing is true in the marketing world.
Laying the foundation for growing your business
Time management
The E-Myth by Michael Gerber (link to Amazon.com with Richardsentme)
Work on your business not just in it.
Less stress and more fun.
Plan your days…do what’s most important. Napoleon Hill story? $25k payment.
Weekly meetings
Cost Control – It takes money to make money
Strategic v. Nonstrategic costs (Flannery link)
Spend your time or spend your money
Do it yourself and take longer OR hire someone to do it for you; i.e. doing your taxes.
If you outsource, have a basic understanding of what is going on; you are responsible for everything that happens in your company.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
Because you'll probably end up wasting time and money and the effort will not succeed. Ouch.
I tell my clients that there is no magic marketing bullet which can easily and instantly expand your practice. I tell this to prospects because I don't want a client with unrealistic expectations. Would you?
Imagine someone named "Bob" calls your office and sets an initial consult. After introductions, you ask him what he wants you to do for him. Bob says with a straight face, "I lost 40% of my retirement portfolio when the market tanked. My current advisor pulled it out at the bottom so I missed the bounce. I want you to make up my losses in the next year. Can you do it?"
He throws his quarterly statement on your desk and you notice he has a million dollars in his account. Nice.
Time to bring Bob back down to earth, "Do you realize that making up a 40% drop in one year would require earning 67% on your money?"
Bob replies, "I don't want to take on that kind of risk at my age. What are my options?"
You explain how some combination of time and money can get his retirement portfolio back where it was. "You can increase your monthly contributions to the max and stretch out your time horizon to 5 years. This eliminates the need to use risky investments so you're much more likely to reach your goal."
Bob likes the sound of this and you land the account. Congratulations!
Now what does this story have to do with growing your practice?
If Bob had pressed you a bit, you might tell him there are no magic bullet investments that give high returns quickly with low risk.
The same thing is true in the marketing world.
Laying the foundation for growing your business
Time management
The E-Myth by Michael Gerber (link to Amazon.com with Richardsentme)
Work on your business not just in it.
Less stress and more fun.
Plan your days…do what’s most important. Napoleon Hill story? $25k payment.
Weekly meetings
Cost Control – It takes money to make money
Strategic v. Nonstrategic costs (Flannery link)
Spend your time or spend your money
Do it yourself and take longer OR hire someone to do it for you; i.e. doing your taxes.
If you outsource, have a basic understanding of what is going on; you are responsible for everything that happens in your company.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Laying the foundations for growing your practice
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Laying the foundations for growing your practice
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 09:54:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 09:54:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 16:54:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 16:54:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/28-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/28-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 31
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 31
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 09:59:43
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 09:59:43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 16:59:43
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 16:59:43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
Because you'll probably end up wasting time and money and the effort will not succeed. Ouch.
I tell my clients that there is no magic marketing bullet which can easily and instantly expand your practice. I tell this to prospects because I don't want a client with unrealistic expectations. Would you?
Imagine someone named "Bob" calls your office and sets an initial consult. After introductions, you ask him what he wants you to do for him. Bob says with a straight face, "I lost 40% of my retirement portfolio when the market tanked. My current advisor pulled it out at the bottom so I missed the bounce. I want you to make up my losses in the next year. Can you do it?"
He throws his quarterly statement on your desk and you notice he has a million dollars in his account. Nice.
Time to bring Bob back down to earth, "Do you realize that making up a 40% drop in one year would require earning 67% on your money?"
Bob replies, "I don't want to take on that kind of risk at my age. What are my options?"
You explain how some combination of time and money can get his retirement portfolio back where it was. "You can increase your monthly contributions to the max and stretch out your time horizon to 5 years. This eliminates the need to use risky investments so you're much more likely to reach your goal."
Bob likes the sound of this and you land the account. Congratulations!
Now what does this story have to do with growing your practice?
If Bob had pressed you a bit, you might tell him there are no magic bullet investments that give high returns quickly with low risk.
The same thing is true in the marketing world.
Laying the foundation for growing your business
Time management
The E-Myth by Michael Gerber (link to Amazon.com with Richardsentme)
Work on your business not just in it.
Less stress and more fun.
Plan your days…do what’s most important. Napoleon Hill story? $25k payment.
Weekly meetings
Cost Control – It takes money to make money
Strategic v. Nonstrategic costs (Flannery link)
Spend your time or spend your money
Do it yourself and take longer OR hire someone to do it for you; i.e. doing your taxes.
If you outsource, have a basic understanding of what is going on; you are responsible for everything that happens in your company.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
Because you'll probably end up wasting time and money and the effort will not succeed. Ouch.
I tell my clients that there is no magic marketing bullet which can easily and instantly expand your practice. I tell this to prospects because I don't want a client with unrealistic expectations. Would you?
Imagine someone named "Bob" calls your office and sets an initial consult. After introductions, you ask him what he wants you to do for him. Bob says with a straight face, "I lost 40% of my retirement portfolio when the market tanked. My current advisor pulled it out at the bottom so I missed the bounce. I want you to make up my losses in the next year. Can you do it?"
He throws his quarterly statement on your desk and you notice he has a million dollars in his account. Nice.
Time to bring Bob back down to earth, "Do you realize that making up a 40% drop in one year would require earning 67% on your money?"
Bob replies, "I don't want to take on that kind of risk at my age. What are my options?"
You explain how some combination of time and money can get his retirement portfolio back where it was. "You can increase your monthly contributions to the max and stretch out your time horizon to 5 years. This eliminates the need to use risky investments so you're much more likely to reach your goal."
Bob likes the sound of this and you land the account. Congratulations!
Now what does this story have to do with growing your practice?
If Bob had pressed you a bit, you might tell him there are no magic bullet investments that give high returns quickly with low risk.
The same thing is true in the marketing world.
Laying the foundation for growing your business
Time management
The E-Myth by Michael Gerber (link to Amazon.com with Richardsentme)
Work on your business not just in it.
Less stress and more fun.
Plan your days…do what’s most important. Napoleon Hill story? $25k payment.
Weekly meetings
Cost Control – It takes money to make money
Strategic v. Nonstrategic costs (Flannery link)
Spend your time or spend your money
Do it yourself and take longer OR hire someone to do it for you; i.e. doing your taxes.
If you outsource, have a basic understanding of what is going on; you are responsible for everything that happens in your company.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Laying the foundations for growing your practice
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Laying the foundations for growing your practice
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 09:59:43
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 09:59:43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 16:59:43
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 16:59:43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/28-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/28-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 35
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 35
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 12:15:32
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 12:15:32
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 19:15:32
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 19:15:32
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
Because you'll probably end up wasting time and money and the effort will not succeed. Ouch.
I tell my clients that there is no magic marketing bullet which can easily and instantly expand your practice. I tell this to prospects because I don't want a client with unrealistic expectations. Do you?
Imagine "Bob" calls your office for an initial consult. After introductions, you ask him what he wants you to do for him. Bob says with a straight face, "I lost 40% of my retirement portfolio when the market tanked. My current advisor pulled it out at the bottom so I missed the bounce. I want you to make up my losses in the next year. Can you do it?"
He throws his quarterly statement on your desk and you notice he has a million dollars in his account. Nice.
Time to bring Bob back down to earth, "Do you realize that making up a 40% drop in one year would require earning 67% on your money?"
Bob looks shocked. "I don't want to take on that kind of risk at my age. What are my options?"
You explain how some combination of more time and more money can get his retirement portfolio back where it was. "You can increase your monthly contributions to the max and stretch out your time horizon to 5 years. This eliminates the need to use risky investments so you're much more likely to reach your goal."
Bob likes the sound of this and you land the account. Congratulations!
Now what does this story have to do with growing your practice?
If Bob had pressed you a bit, you might tell him there are no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town
Creating a high glitz, b, Flash-based website
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
Because you'll probably end up wasting time and money and the effort will not succeed. Ouch.
I tell my clients that there is no magic marketing bullet which can easily and instantly expand your practice. I tell this to prospects because I don't want a client with unrealistic expectations. Do you?
Imagine "Bob" calls your office for an initial consult. After introductions, you ask him what he wants you to do for him. Bob says with a straight face, "I lost 40% of my retirement portfolio when the market tanked. My current advisor pulled it out at the bottom so I missed the bounce. I want you to make up my losses in the next year. Can you do it?"
He throws his quarterly statement on your desk and you notice he has a million dollars in his account. Nice.
Time to bring Bob back down to earth, "Do you realize that making up a 40% drop in one year would require earning 67% on your money?"
Bob looks shocked. "I don't want to take on that kind of risk at my age. What are my options?"
You explain how some combination of more time and more money can get his retirement portfolio back where it was. "You can increase your monthly contributions to the max and stretch out your time horizon to 5 years. This eliminates the need to use risky investments so you're much more likely to reach your goal."
Bob likes the sound of this and you land the account. Congratulations!
Now what does this story have to do with growing your practice?
If Bob had pressed you a bit, you might tell him there are no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town
Creating a high glitz, b, Flash-based website
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 12:15:32
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 12:15:32
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 19:15:32
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 19:15:32
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/28-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/28-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 10:43:11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 10:43:11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 17:43:11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 17:43:11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
Because you'll probably end up wasting time and money and the effort will not succeed. Ouch.
I tell my clients that there is no magic marketing bullet which can easily and instantly expand your practice. I tell this to prospects because I don't want a client with unrealistic expectations. Would you?
Imagine "Bob" calls your office for an initial consult. After introductions, you ask him what he wants you to do for him. Bob says with a straight face, "I lost 40% of my retirement portfolio when the market tanked. My current advisor pulled it out at the bottom so I missed the bounce. I want you to make up my losses in the next year. Can you do it?"
He throws his quarterly statement on your desk and you notice he has a million dollars in his account. Nice.
Time to bring Bob back down to earth, "Do you realize that making up a 40% drop in one year would require earning 67% on your money?"
Bob looks shocked. "I don't want to take on that kind of risk at my age. What are my options?"
You explain how some combination of more time and more money can get his retirement portfolio back where it was. "You can increase your monthly contributions to the max and stretch out your time horizon to 5 years. This eliminates the need to use risky investments so you're much more likely to reach your goal."
Bob likes the sound of this and you land the account. Congratulations!
Now what does this story have to do with growing your practice?
If Bob had pressed you a bit, you might tell him there are no magic bullet investments that give high returns quickly with low risk.
The same thing is true in the marketing world. With one key difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making similar bold promises as a yellow pages salesman, or a billboard rep, or a website designer just helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
So the moral to the story is that expanding your practice takes time and money. Let me provide a few ways to get both.
Finding more time
How are you spending your time now? Every business has 3 main activities: Marketing, Operations, and Administration. For financial advisors, marketing is attracting new clients, operations is taking care of clients, and administration is all the back office work such as payroll, office management, and compliance.
Take a look at your calendar and see how you spend your time in each of these areas. Does your calendar only show time spent with prospects and clients? In this case, start tracking time spent on marketing and administration. You might be shocked at what you see. Especially if you separate marketing into its two main components: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink." Marketing is all about attracting new prospects and keeping existing clients happy and
Time management
The E-Myth by Michael Gerber (link to Amazon.com with Richardsentme)
Work on your business not just in it.
Less stress and more fun.
Plan your days…do what’s most important. Napoleon Hill story? $25k payment.
Weekly meetings
Cost Control – It takes money to make money
Strategic v. Nonstrategic costs (Flannery link)
Spend your time or spend your money
Do it yourself and take longer OR hire someone to do it for you; i.e. doing your taxes.
If you outsource, have a basic understanding of what is going on; you are responsible for everything that happens in your company.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
Because you'll probably end up wasting time and money and the effort will not succeed. Ouch.
I tell my clients that there is no magic marketing bullet which can easily and instantly expand your practice. I tell this to prospects because I don't want a client with unrealistic expectations. Would you?
Imagine "Bob" calls your office for an initial consult. After introductions, you ask him what he wants you to do for him. Bob says with a straight face, "I lost 40% of my retirement portfolio when the market tanked. My current advisor pulled it out at the bottom so I missed the bounce. I want you to make up my losses in the next year. Can you do it?"
He throws his quarterly statement on your desk and you notice he has a million dollars in his account. Nice.
Time to bring Bob back down to earth, "Do you realize that making up a 40% drop in one year would require earning 67% on your money?"
Bob looks shocked. "I don't want to take on that kind of risk at my age. What are my options?"
You explain how some combination of more time and more money can get his retirement portfolio back where it was. "You can increase your monthly contributions to the max and stretch out your time horizon to 5 years. This eliminates the need to use risky investments so you're much more likely to reach your goal."
Bob likes the sound of this and you land the account. Congratulations!
Now what does this story have to do with growing your practice?
If Bob had pressed you a bit, you might tell him there are no magic bullet investments that give high returns quickly with low risk.
The same thing is true in the marketing world. With one key difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making similar bold promises as a yellow pages salesman, or a billboard rep, or a website designer just helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
So the moral to the story is that expanding your practice takes time and money. Let me provide a few ways to get both.
Finding more time
How are you spending your time now? Every business has 3 main activities: Marketing, Operations, and Administration. For financial advisors, marketing is attracting new clients, operations is taking care of clients, and administration is all the back office work such as payroll, office management, and compliance.
Take a look at your calendar and see how you spend your time in each of these areas. Does your calendar only show time spent with prospects and clients? In this case, start tracking time spent on marketing and administration. You might be shocked at what you see. Especially if you separate marketing into its two main components: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink." Marketing is all about attracting new prospects and keeping existing clients happy and
Time management
The E-Myth by Michael Gerber (link to Amazon.com with Richardsentme)
Work on your business not just in it.
Less stress and more fun.
Plan your days…do what’s most important. Napoleon Hill story? $25k payment.
Weekly meetings
Cost Control – It takes money to make money
Strategic v. Nonstrategic costs (Flannery link)
Spend your time or spend your money
Do it yourself and take longer OR hire someone to do it for you; i.e. doing your taxes.
If you outsource, have a basic understanding of what is going on; you are responsible for everything that happens in your company.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Laying the foundations for growing your practice
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Laying the foundations for growing your practice
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 10:43:11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 10:43:11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 17:43:11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 17:43:11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/28-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/28-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 10:43:44
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 17:43:44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 17:43:44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
Because you'll probably end up wasting time and money and the effort will not succeed. Ouch.
I tell my clients that there is no magic marketing bullet which can easily and instantly expand your practice. I tell this to prospects because I don't want a client with unrealistic expectations. Would you?
Imagine "Bob" calls your office for an initial consult. After introductions, you ask him what he wants you to do for him. Bob says with a straight face, "I lost 40% of my retirement portfolio when the market tanked. My current advisor pulled it out at the bottom so I missed the bounce. I want you to make up my losses in the next year. Can you do it?"
He throws his quarterly statement on your desk and you notice he has a million dollars in his account. Nice.
Time to bring Bob back down to earth, "Do you realize that making up a 40% drop in one year would require earning 67% on your money?"
Bob looks shocked. "I don't want to take on that kind of risk at my age. What are my options?"
You explain how some combination of more time and more money can get his retirement portfolio back where it was. "You can increase your monthly contributions to the max and stretch out your time horizon to 5 years. This eliminates the need to use risky investments so you're much more likely to reach your goal."
Bob likes the sound of this and you land the account. Congratulations!
Now what does this story have to do with growing your practice?
If Bob had pressed you a bit, you might tell him there are no magic bullet investments that give high returns quickly with low risk.
The same thing is true in the marketing world. With one key difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making similar bold promises as a yellow pages salesman, or a billboard rep, or a website designer just helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
So the moral to the story is that expanding your practice takes time and money. Let me provide a few ways to get both.
Finding more time
How are you spending your time now? Every business has 3 main activities: Marketing, Operations, and Administration. For financial advisors, marketing is attracting new clients, operations is taking care of clients, and administration is all the back office work such as payroll, office management, and compliance.
Take a look at your calendar and see how you spend your time in each of these areas. Does your calendar only show time spent with prospects and clients? In this case, start tracking time spent on marketing and administration. You might be shocked at what you see. Especially if you separate marketing into its two main components: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink." Marketing is all about attracting new prospects and keeping existing clients happy and
Time management
The E-Myth by Michael Gerber (link to Amazon.com with Richardsentme)
Work on your business not just in it.
Less stress and more fun.
Plan your days…do what’s most important. Napoleon Hill story? $25k payment.
Weekly meetings
Cost Control – It takes money to make money
Strategic v. Nonstrategic costs (Flannery link)
Spend your time or spend your money
Do it yourself and take longer OR hire someone to do it for you; i.e. doing your taxes.
If you outsource, have a basic understanding of what is going on; you are responsible for everything that happens in your company.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
Because you'll probably end up wasting time and money and the effort will not succeed. Ouch.
I tell my clients that there is no magic marketing bullet which can easily and instantly expand your practice. I tell this to prospects because I don't want a client with unrealistic expectations. Would you?
Imagine "Bob" calls your office for an initial consult. After introductions, you ask him what he wants you to do for him. Bob says with a straight face, "I lost 40% of my retirement portfolio when the market tanked. My current advisor pulled it out at the bottom so I missed the bounce. I want you to make up my losses in the next year. Can you do it?"
He throws his quarterly statement on your desk and you notice he has a million dollars in his account. Nice.
Time to bring Bob back down to earth, "Do you realize that making up a 40% drop in one year would require earning 67% on your money?"
Bob looks shocked. "I don't want to take on that kind of risk at my age. What are my options?"
You explain how some combination of more time and more money can get his retirement portfolio back where it was. "You can increase your monthly contributions to the max and stretch out your time horizon to 5 years. This eliminates the need to use risky investments so you're much more likely to reach your goal."
Bob likes the sound of this and you land the account. Congratulations!
Now what does this story have to do with growing your practice?
If Bob had pressed you a bit, you might tell him there are no magic bullet investments that give high returns quickly with low risk.
The same thing is true in the marketing world. With one key difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making similar bold promises as a yellow pages salesman, or a billboard rep, or a website designer just helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
So the moral to the story is that expanding your practice takes time and money. Let me provide a few ways to get both.
Finding more time
How are you spending your time now? Every business has 3 main activities: Marketing, Operations, and Administration. For financial advisors, marketing is attracting new clients, operations is taking care of clients, and administration is all the back office work such as payroll, office management, and compliance.
Take a look at your calendar and see how you spend your time in each of these areas. Does your calendar only show time spent with prospects and clients? In this case, start tracking time spent on marketing and administration. You might be shocked at what you see. Especially if you separate marketing into its two main components: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink." Marketing is all about attracting new prospects and keeping existing clients happy and
Time management
The E-Myth by Michael Gerber (link to Amazon.com with Richardsentme)
Work on your business not just in it.
Less stress and more fun.
Plan your days…do what’s most important. Napoleon Hill story? $25k payment.
Weekly meetings
Cost Control – It takes money to make money
Strategic v. Nonstrategic costs (Flannery link)
Spend your time or spend your money
Do it yourself and take longer OR hire someone to do it for you; i.e. doing your taxes.
If you outsource, have a basic understanding of what is going on; you are responsible for everything that happens in your company.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Laying the foundations for growing your practice
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Laying the foundations for growing your practice
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 10:43:44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 10:43:44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 17:43:44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 17:43:44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/28-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/28-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 34
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 11:08:37
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 11:08:37
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 18:08:37
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 18:08:37
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
Because you'll probably end up wasting time and money and the effort will not succeed. Ouch.
I tell my clients that there is no magic marketing bullet which can easily and instantly expand your practice. I tell this to prospects because I don't want a client with unrealistic expectations. Would you?
Imagine "Bob" calls your office for an initial consult. After introductions, you ask him what he wants you to do for him. Bob says with a straight face, "I lost 40% of my retirement portfolio when the market tanked. My current advisor pulled it out at the bottom so I missed the bounce. I want you to make up my losses in the next year. Can you do it?"
He throws his quarterly statement on your desk and you notice he has a million dollars in his account. Nice.
Time to bring Bob back down to earth, "Do you realize that making up a 40% drop in one year would require earning 67% on your money?"
Bob looks shocked. "I don't want to take on that kind of risk at my age. What are my options?"
You explain how some combination of more time and more money can get his retirement portfolio back where it was. "You can increase your monthly contributions to the max and stretch out your time horizon to 5 years. This eliminates the need to use risky investments so you're much more likely to reach your goal."
Bob likes the sound of this and you land the account. Congratulations!
Now what does this story have to do with growing your practice?
If Bob had pressed you a bit, you might tell him there are no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one key difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making similar bold promises as a yellow pages salesman, or a billboard rep, or a website designer just helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
So the moral to the story is that expanding your practice takes time and money. More money invested gets it done in less time. Or more time gets it done with less money each month. Let me provide a few ways to get both.
Finding more time
How are you spending your time now? Every business has 3 main activities: Marketing, Operations, and Administration. For financial advisors, marketing is attracting new clients, operations is taking care of clients, and administration is all the back office work such as payroll, office management, and compliance.
Take a look at your calendar and see how you spend your time in each of these areas. Does your calendar only show time spent with prospects and clients? In this case, start tracking time spent on marketing and administration. You might be shocked at what you see. Especially if you separate marketing into its two main components: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink." Marketing is all about attracting new prospects and keeping existing clients happy and
Time management
The E-Myth by Michael Gerber (link to Amazon.com with Richardsentme)
Work on your business not just in it.
Less stress and more fun.
Plan your days…do what’s most important. Napoleon Hill story? $25k payment.
Weekly meetings
Cost Control – It takes money to make money
Strategic v. Nonstrategic costs (Flannery link)
Spend your time or spend your money
Do it yourself and take longer OR hire someone to do it for you; i.e. doing your taxes.
If you outsource, have a basic understanding of what is going on; you are responsible for everything that happens in your company.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
Because you'll probably end up wasting time and money and the effort will not succeed. Ouch.
I tell my clients that there is no magic marketing bullet which can easily and instantly expand your practice. I tell this to prospects because I don't want a client with unrealistic expectations. Would you?
Imagine "Bob" calls your office for an initial consult. After introductions, you ask him what he wants you to do for him. Bob says with a straight face, "I lost 40% of my retirement portfolio when the market tanked. My current advisor pulled it out at the bottom so I missed the bounce. I want you to make up my losses in the next year. Can you do it?"
He throws his quarterly statement on your desk and you notice he has a million dollars in his account. Nice.
Time to bring Bob back down to earth, "Do you realize that making up a 40% drop in one year would require earning 67% on your money?"
Bob looks shocked. "I don't want to take on that kind of risk at my age. What are my options?"
You explain how some combination of more time and more money can get his retirement portfolio back where it was. "You can increase your monthly contributions to the max and stretch out your time horizon to 5 years. This eliminates the need to use risky investments so you're much more likely to reach your goal."
Bob likes the sound of this and you land the account. Congratulations!
Now what does this story have to do with growing your practice?
If Bob had pressed you a bit, you might tell him there are no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one key difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making similar bold promises as a yellow pages salesman, or a billboard rep, or a website designer just helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
So the moral to the story is that expanding your practice takes time and money. More money invested gets it done in less time. Or more time gets it done with less money each month. Let me provide a few ways to get both.
Finding more time
How are you spending your time now? Every business has 3 main activities: Marketing, Operations, and Administration. For financial advisors, marketing is attracting new clients, operations is taking care of clients, and administration is all the back office work such as payroll, office management, and compliance.
Take a look at your calendar and see how you spend your time in each of these areas. Does your calendar only show time spent with prospects and clients? In this case, start tracking time spent on marketing and administration. You might be shocked at what you see. Especially if you separate marketing into its two main components: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink." Marketing is all about attracting new prospects and keeping existing clients happy and
Time management
The E-Myth by Michael Gerber (link to Amazon.com with Richardsentme)
Work on your business not just in it.
Less stress and more fun.
Plan your days…do what’s most important. Napoleon Hill story? $25k payment.
Weekly meetings
Cost Control – It takes money to make money
Strategic v. Nonstrategic costs (Flannery link)
Spend your time or spend your money
Do it yourself and take longer OR hire someone to do it for you; i.e. doing your taxes.
If you outsource, have a basic understanding of what is going on; you are responsible for everything that happens in your company.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Magic Bullet Marketing?
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/28-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/28-revision-6/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Magic Bullet Marketing for Financial Advisors?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Magic Bullet Marketing for Financial Advisors?
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
Because you'll probably end up wasting time and money and the effort will not succeed. Ouch.
I tell my clients that there is no magic marketing bullet which can easily and instantly expand your practice. I tell this to prospects because I don't want a client with unrealistic expectations. Do you?
Imagine "Bob" calls your office for an initial consult. After introductions, you ask him what he wants you to do for him. Bob says with a straight face, "I lost 40% of my retirement portfolio when the market tanked. My current advisor pulled it out at the bottom so I missed the bounce. I want you to make up my losses in the next year. Can you do it?"
He throws his quarterly statement on your desk and you notice he has a million dollars in his account. Nice.
Time to bring Bob back down to earth, "Do you realize that making up a 40% drop in one year would require earning 67% on your money?"
Bob looks shocked. "I don't want to take on that kind of risk at my age. What are my options?"
You explain how some combination of more time and more money can get his retirement portfolio back where it was. "You can increase your monthly contributions to the max and stretch out your time horizon to 5 years. This eliminates the need to use risky investments so you're much more likely to reach your goal."
Bob likes the sound of this and you land the account. Congratulations!
Now what does this story have to do with growing your practice?
If Bob had pressed you a bit, you might tell him there are no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town
Creating a high glitz, beautiful, Flash-based website
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
Because you'll probably end up wasting time and money and the effort will not succeed. Ouch.
I tell my clients that there is no magic marketing bullet which can easily and instantly expand your practice. I tell this to prospects because I don't want a client with unrealistic expectations. Do you?
Imagine "Bob" calls your office for an initial consult. After introductions, you ask him what he wants you to do for him. Bob says with a straight face, "I lost 40% of my retirement portfolio when the market tanked. My current advisor pulled it out at the bottom so I missed the bounce. I want you to make up my losses in the next year. Can you do it?"
He throws his quarterly statement on your desk and you notice he has a million dollars in his account. Nice.
Time to bring Bob back down to earth, "Do you realize that making up a 40% drop in one year would require earning 67% on your money?"
Bob looks shocked. "I don't want to take on that kind of risk at my age. What are my options?"
You explain how some combination of more time and more money can get his retirement portfolio back where it was. "You can increase your monthly contributions to the max and stretch out your time horizon to 5 years. This eliminates the need to use risky investments so you're much more likely to reach your goal."
Bob likes the sound of this and you land the account. Congratulations!
Now what does this story have to do with growing your practice?
If Bob had pressed you a bit, you might tell him there are no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town
Creating a high glitz, beautiful, Flash-based website
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Magic Bullet Marketing?
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 41
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 41
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 12:39:10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 12:39:10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 19:39:10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 19:39:10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town
Creating a high glitz, beautiful, Flash-based website
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town
Creating a high glitz, beautiful, Flash-based website
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28-revision-9
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28-revision-9
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 12:39:10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 12:39:10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 19:39:10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 19:39:10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/28-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/28-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 12:52:17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 12:52:17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 19:52:17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 19:52:17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: magic_bullet_marketing
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: magic_bullet_marketing
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: magic_bullet_marketing-2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: magic_bullet_marketing-2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 12:52:17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 12:52:17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 19:52:17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 19:52:17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/wp-content/uploads/2009/10/magic_bullet_marketing.png
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/2009/10/magic_bullet_marketing.png
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: attachment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: attachment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: image/png
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: image/png
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 43
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 12:45:44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 12:45:44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 19:45:44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 19:45:44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town
Creating a high glitz, beautiful, Flash-based website
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town
Creating a high glitz, beautiful, Flash-based website
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28-revision-10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28-revision-10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 12:45:44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 12:45:44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 19:45:44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 19:45:44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/28-revision-10/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/28-revision-10/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 12:52:55
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 12:52:55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 19:52:55
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 19:52:55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town
Creating a high glitz, beautiful, Flash-based website
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town
Creating a high glitz, beautiful, Flash-based website
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28-revision-11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28-revision-11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 12:52:55
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 12:52:55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 19:52:55
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 19:52:55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/28-revision-11/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/28-revision-11/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 12:53:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 12:53:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 19:53:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 19:53:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town
Creating a high glitz, beautiful, Flash-based website
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town
Creating a high glitz, beautiful, Flash-based website
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28-revision-12
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28-revision-12
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 12:53:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 12:53:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-21 19:53:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-21 19:53:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/28-revision-12/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/28-revision-12/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 46
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 46
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-20 21:34:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-20 21:34:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-21 05:34:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-21 05:34:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy seniors magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town.
Creating a high glitz, beautiful, Flash-based website which gets no traffic and is instantly static
Almost any unproven, untested marketing activity done in haste qualifies as a magic bullet marketing activity. Or anything requiring "just a few minutes of your time and your major credit card...."
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy seniors magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town.
Creating a high glitz, beautiful, Flash-based website which gets no traffic and is instantly static
Almost any unproven, untested marketing activity done in haste qualifies as a magic bullet marketing activity. Or anything requiring "just a few minutes of your time and your major credit card...."
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28-autosave
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28-autosave
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-20 21:34:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-20 21:34:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-21 05:34:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-21 05:34:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/28-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/28-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-27 16:27:53
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-27 16:27:53
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-27 23:27:53
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-27 23:27:53
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Marketing attracts and gains new clients
Operations takes care of clients, and
Admin includes back office work such as office management and compliance.
Based on conversations with many financial advisors, the general consensus is that “marketing is what I need to do, planning is what I like to do, and admin is what I hate to do but must do to keep out of trouble.”
So when time is tight which area gets neglected? Yes, marketing.
Now take a look at your calendar and see how you spend your time in marketing, operations and admin. Does your calendar only show time spent with prospects and clients?
In this case, you need to start tracking time spent on marketing and admin. You might be shocked at what you see. Or don’t see.
Just don’t be discouraged. Your business might be doing okay and you’re spending only a couple hours per week on marketing. Imagine if you started spending 30-40% of your time on marketing?
You’ll find it helpful to separate marketing into its two main functions: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink."
Marketing is all about attracting new prospects as well as getting your existing clients to buy more and more often. You do this with your website, printed and e-mail newsletters, public seminars, advertising and all other ways of getting the word out. This also includes making it easy for your clients to refer their friends and relatives.
Sales is persuading that prospect in your office or conference room to place their trust (and money) with you.
Sales & marketing efforts work together to grow your practice. For example, any advisor without any marketing materials, advertising, or website has a much tougher job convincing the prospect in his office to become a client. Why? Because targeted marketing efforts attract more qualified prospects while screening out others. And marketing materials help tell your story well before your prospect walks in the door.
So your action item is to track your time in Sales/marketing, operations, and admin. In my next article, I’ll take a closer look at admin.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Marketing attracts and gains new clients
Operations takes care of clients, and
Admin includes back office work such as office management and compliance.
Based on conversations with many financial advisors, the general consensus is that “marketing is what I need to do, planning is what I like to do, and admin is what I hate to do but must do to keep out of trouble.”
So when time is tight which area gets neglected? Yes, marketing.
Now take a look at your calendar and see how you spend your time in marketing, operations and admin. Does your calendar only show time spent with prospects and clients?
In this case, you need to start tracking time spent on marketing and admin. You might be shocked at what you see. Or don’t see.
Just don’t be discouraged. Your business might be doing okay and you’re spending only a couple hours per week on marketing. Imagine if you started spending 30-40% of your time on marketing?
You’ll find it helpful to separate marketing into its two main functions: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink."
Marketing is all about attracting new prospects as well as getting your existing clients to buy more and more often. You do this with your website, printed and e-mail newsletters, public seminars, advertising and all other ways of getting the word out. This also includes making it easy for your clients to refer their friends and relatives.
Sales is persuading that prospect in your office or conference room to place their trust (and money) with you.
Sales & marketing efforts work together to grow your practice. For example, any advisor without any marketing materials, advertising, or website has a much tougher job convincing the prospect in his office to become a client. Why? Because targeted marketing efforts attract more qualified prospects while screening out others. And marketing materials help tell your story well before your prospect walks in the door.
So your action item is to track your time in Sales/marketing, operations, and admin. In my next article, I’ll take a closer look at admin.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Finding More Time for Marketing - Part 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Finding More Time for Marketing - Part 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to grow your practice by increasing your focus on marketing activities. You know this will take time. Yet you feel overloaded these days already. Where can you find some more time?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to grow your practice by increasing your focus on marketing activities. You know this will take time. Yet you feel overloaded these days already. Where can you find some more time?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: finding-time-marketing-part-1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: finding-time-marketing-part-1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-20 21:33:54
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-20 21:33:54
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-21 05:33:54
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-21 05:33:54
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/?p=47
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=47
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: post
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 48
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 48
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-27 16:23:35
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-27 16:23:35
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-27 23:23:35
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I need more time!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I need more time!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: dali-clock-500x500
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: dali-clock-500x500
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-27 16:23:35
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-27 16:23:35
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-27 23:23:35
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/wp-content/uploads/2009/10/dali-clock-500x500.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/2009/10/dali-clock-500x500.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: attachment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: attachment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: image/jpeg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: image/jpeg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 49
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 49
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-27 16:25:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-27 16:25:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-27 23:25:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-27 23:25:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Marketing attracts and gains new clients
Operations takes care of clients, and
Admin includes back office work such as office management and compliance.
Based on conversations with many financial advisors, the general consensus is that “marketing is what I need to do, planning is what I like to do, and admin is what I hate to do but must do to keep out of trouble.”
So when time is tight which area gets neglected? Yes, marketing.
Now take a look at your calendar and see how you spend your time in marketing, operations and admin. Does your calendar only show time spent with prospects and clients?
In this case, you need to start tracking time spent on marketing and admin. You might be shocked at what you see. Or don’t see.
Just don’t be discouraged. Your business might be doing okay and you’re spending only a couple hours per week on marketing. Imagine if you started spending 30-40% of your time on marketing?
You’ll find it helpful to separate marketing into its two main functions: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink."
Marketing is all about attracting new prospects as well as getting your existing clients to buy more and more often. You do this with your website, printed and e-mail newsletters, public seminars, advertising and all other ways of getting the word out. This also includes making it easy for your clients to refer their friends and relatives.
Sales is persuading that prospect in your office or conference room to place their trust (and money) with you.
Sales & marketing efforts work together to grow your practice. For example, any advisor without any marketing materials, advertising, or website has a much tougher job convincing the prospect in his office to become a client. Why? Because targeted marketing efforts attract more qualified prospects while screening out others. And marketing materials help tell your story well before your prospect walks in the door.
So your action item is to track your time in Sales/marketing, operations, and admin. In my next article, I’ll take a closer look at admin.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Marketing attracts and gains new clients
Operations takes care of clients, and
Admin includes back office work such as office management and compliance.
Based on conversations with many financial advisors, the general consensus is that “marketing is what I need to do, planning is what I like to do, and admin is what I hate to do but must do to keep out of trouble.”
So when time is tight which area gets neglected? Yes, marketing.
Now take a look at your calendar and see how you spend your time in marketing, operations and admin. Does your calendar only show time spent with prospects and clients?
In this case, you need to start tracking time spent on marketing and admin. You might be shocked at what you see. Or don’t see.
Just don’t be discouraged. Your business might be doing okay and you’re spending only a couple hours per week on marketing. Imagine if you started spending 30-40% of your time on marketing?
You’ll find it helpful to separate marketing into its two main functions: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink."
Marketing is all about attracting new prospects as well as getting your existing clients to buy more and more often. You do this with your website, printed and e-mail newsletters, public seminars, advertising and all other ways of getting the word out. This also includes making it easy for your clients to refer their friends and relatives.
Sales is persuading that prospect in your office or conference room to place their trust (and money) with you.
Sales & marketing efforts work together to grow your practice. For example, any advisor without any marketing materials, advertising, or website has a much tougher job convincing the prospect in his office to become a client. Why? Because targeted marketing efforts attract more qualified prospects while screening out others. And marketing materials help tell your story well before your prospect walks in the door.
So your action item is to track your time in Sales/marketing, operations, and admin. In my next article, I’ll take a closer look at admin.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Finding More Time for Marketing - Part 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Finding More Time for Marketing - Part 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to grow your practice by increasing your focus on marketing activities. You know this will take time. Yet you feel overloaded these days already. Where can you find some more time?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to grow your practice by increasing your focus on marketing activities. You know this will take time. Yet you feel overloaded these days already. Where can you find some more time?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 47-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 47-revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-27 16:25:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-27 16:25:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-27 23:25:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-27 23:25:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/47-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/47-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 50
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 50
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-27 16:27:02
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-27 16:27:02
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-27 23:27:02
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-27 23:27:02
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Marketing attracts and gains new clients
Operations takes care of clients, and
Admin includes back office work such as office management and compliance.
Based on conversations with many financial advisors, the general consensus is that “marketing is what I need to do, planning is what I like to do, and admin is what I hate to do but must do to keep out of trouble.”
So when time is tight which area gets neglected? Yes, marketing.
Now take a look at your calendar and see how you spend your time in marketing, operations and admin. Does your calendar only show time spent with prospects and clients?
In this case, you need to start tracking time spent on marketing and admin. You might be shocked at what you see. Or don’t see.
Just don’t be discouraged. Your business might be doing okay and you’re spending only a couple hours per week on marketing. Imagine if you started spending 30-40% of your time on marketing?
You’ll find it helpful to separate marketing into its two main functions: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink."
Marketing is all about attracting new prospects as well as getting your existing clients to buy more and more often. You do this with your website, printed and e-mail newsletters, public seminars, advertising and all other ways of getting the word out. This also includes making it easy for your clients to refer their friends and relatives.
Sales is persuading that prospect in your office or conference room to place their trust (and money) with you.
Sales & marketing efforts work together to grow your practice. For example, any advisor without any marketing materials, advertising, or website has a much tougher job convincing the prospect in his office to become a client. Why? Because targeted marketing efforts attract more qualified prospects while screening out others. And marketing materials help tell your story well before your prospect walks in the door.
So your action item is to track your time in Sales/marketing, operations, and admin. In my next article, I’ll take a closer look at admin.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Marketing attracts and gains new clients
Operations takes care of clients, and
Admin includes back office work such as office management and compliance.
Based on conversations with many financial advisors, the general consensus is that “marketing is what I need to do, planning is what I like to do, and admin is what I hate to do but must do to keep out of trouble.”
So when time is tight which area gets neglected? Yes, marketing.
Now take a look at your calendar and see how you spend your time in marketing, operations and admin. Does your calendar only show time spent with prospects and clients?
In this case, you need to start tracking time spent on marketing and admin. You might be shocked at what you see. Or don’t see.
Just don’t be discouraged. Your business might be doing okay and you’re spending only a couple hours per week on marketing. Imagine if you started spending 30-40% of your time on marketing?
You’ll find it helpful to separate marketing into its two main functions: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink."
Marketing is all about attracting new prospects as well as getting your existing clients to buy more and more often. You do this with your website, printed and e-mail newsletters, public seminars, advertising and all other ways of getting the word out. This also includes making it easy for your clients to refer their friends and relatives.
Sales is persuading that prospect in your office or conference room to place their trust (and money) with you.
Sales & marketing efforts work together to grow your practice. For example, any advisor without any marketing materials, advertising, or website has a much tougher job convincing the prospect in his office to become a client. Why? Because targeted marketing efforts attract more qualified prospects while screening out others. And marketing materials help tell your story well before your prospect walks in the door.
So your action item is to track your time in Sales/marketing, operations, and admin. In my next article, I’ll take a closer look at admin.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Finding More Time for Marketing - Part 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Finding More Time for Marketing - Part 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to grow your practice by increasing your focus on marketing activities. You know this will take time. Yet you feel overloaded these days already. Where can you find some more time?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to grow your practice by increasing your focus on marketing activities. You know this will take time. Yet you feel overloaded these days already. Where can you find some more time?
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/47-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/47-revision-2/
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Marketing attracts and gains new clients
Operations takes care of clients, and
Admin includes back office work such as office management and compliance.
Based on conversations with many financial advisors, the general consensus is that “marketing is what I need to do, planning is what I like to do, and admin is what I hate to do but must do to keep out of trouble.”
So when time is tight which area gets neglected? Yes, marketing.
Now take a look at your calendar and see how you spend your time in marketing, operations and admin. Does your calendar only show time spent with prospects and clients?
In this case, you need to start tracking time spent on marketing and admin. You might be shocked at what you see. Or don’t see.
Just don’t be discouraged. Your business might be doing okay and you’re spending only a couple hours per week on marketing. Imagine if you started spending 30-40% of your time on marketing?
You’ll find it helpful to separate marketing into its two main functions: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink."
Marketing is all about attracting new prospects as well as getting your existing clients to buy more and more often. You do this with your website, printed and e-mail newsletters, public seminars, advertising and all other ways of getting the word out. This also includes making it easy for your clients to refer their friends and relatives.
Sales is persuading that prospect in your office or conference room to place their trust (and money) with you.
Sales & marketing efforts work together to grow your practice. For example, any advisor without any marketing materials, advertising, or website has a much tougher job convincing the prospect in his office to become a client. Why? Because targeted marketing efforts attract more qualified prospects while screening out others. And marketing materials help tell your story well before your prospect walks in the door.
So your action item is to track your time in Sales/marketing, operations, and admin. In my next article, I’ll take a closer look at admin.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Marketing attracts and gains new clients
Operations takes care of clients, and
Admin includes back office work such as office management and compliance.
Based on conversations with many financial advisors, the general consensus is that “marketing is what I need to do, planning is what I like to do, and admin is what I hate to do but must do to keep out of trouble.”
So when time is tight which area gets neglected? Yes, marketing.
Now take a look at your calendar and see how you spend your time in marketing, operations and admin. Does your calendar only show time spent with prospects and clients?
In this case, you need to start tracking time spent on marketing and admin. You might be shocked at what you see. Or don’t see.
Just don’t be discouraged. Your business might be doing okay and you’re spending only a couple hours per week on marketing. Imagine if you started spending 30-40% of your time on marketing?
You’ll find it helpful to separate marketing into its two main functions: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink."
Marketing is all about attracting new prospects as well as getting your existing clients to buy more and more often. You do this with your website, printed and e-mail newsletters, public seminars, advertising and all other ways of getting the word out. This also includes making it easy for your clients to refer their friends and relatives.
Sales is persuading that prospect in your office or conference room to place their trust (and money) with you.
Sales & marketing efforts work together to grow your practice. For example, any advisor without any marketing materials, advertising, or website has a much tougher job convincing the prospect in his office to become a client. Why? Because targeted marketing efforts attract more qualified prospects while screening out others. And marketing materials help tell your story well before your prospect walks in the door.
So your action item is to track your time in Sales/marketing, operations, and admin. In my next article, I’ll take a closer look at admin.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Finding More Time for Marketing - Part 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Finding More Time for Marketing - Part 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to grow your practice by increasing your focus on marketing activities. You know this will take time. Yet you feel overloaded these days already. Where can you find some more time?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to grow your practice by increasing your focus on marketing activities. You know this will take time. Yet you feel overloaded these days already. Where can you find some more time?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/47-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/47-revision-3/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The One Page Business Plan" by Jim Hogan
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The One Page Business Plan" by Jim Hogan
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor."
Be sure to give one to your friend at your high school reunion.
But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor."
Be sure to give one to your friend at your high school reunion.
But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Developing Your "Marketing Mindset"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Developing Your "Marketing Mindset"
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/18-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/18-revision-7/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy seniors magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town.
Creating a high glitz, beautiful, Flash-based website which gets no traffic and is instantly static
Almost any unproven, untested marketing activity done in haste qualifies as a magic bullet marketing activity. Or anything requiring "just a few minutes of your time and your major credit card...."
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy seniors magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town.
Creating a high glitz, beautiful, Flash-based website which gets no traffic and is instantly static
Almost any unproven, untested marketing activity done in haste qualifies as a magic bullet marketing activity. Or anything requiring "just a few minutes of your time and your major credit card...."
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Magic Bullet Marketing?
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/28-revision-13/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/28-revision-13/
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Marketing attracts and gains new clients
Operations takes care of clients, and
Admin includes back office work such as office management and compliance.
Based on conversations with many financial advisors, the general consensus is that “marketing is what I need to do, planning is what I like to do, and admin is what I hate to do but must do to keep out of trouble.”
So when time is tight which area gets neglected? Yes, marketing.
Now take a look at your calendar and see how you spend your time in marketing, operations and admin. Does your calendar only show time spent with prospects and clients?
In this case, you need to start tracking time spent on marketing and admin. You might be shocked at what you see. Or don’t see.
Just don’t be discouraged. Your business might be doing okay and you’re spending only a couple hours per week on marketing. Imagine if you started spending 30-40% of your time on marketing?
You’ll find it helpful to separate marketing into its two main functions: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink."
Marketing is all about attracting new prospects as well as getting your existing clients to buy more and more often. You do this with your website, printed and e-mail newsletters, public seminars, advertising and all other ways of getting the word out. This also includes making it easy for your clients to refer their friends and relatives.
Sales is persuading that prospect in your office or conference room to place their trust (and money) with you.
Sales & marketing efforts work together to grow your practice. For example, any advisor without any marketing materials, advertising, or website has a much tougher job convincing the prospect in his office to become a client. Why? Because targeted marketing efforts attract more qualified prospects while screening out others. And marketing materials help tell your story well before your prospect walks in the door.
So your action item is to track your time in Sales/marketing, operations, and admin. In my next article, I’ll take a closer look at admin.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Marketing attracts and gains new clients
Operations takes care of clients, and
Admin includes back office work such as office management and compliance.
Based on conversations with many financial advisors, the general consensus is that “marketing is what I need to do, planning is what I like to do, and admin is what I hate to do but must do to keep out of trouble.”
So when time is tight which area gets neglected? Yes, marketing.
Now take a look at your calendar and see how you spend your time in marketing, operations and admin. Does your calendar only show time spent with prospects and clients?
In this case, you need to start tracking time spent on marketing and admin. You might be shocked at what you see. Or don’t see.
Just don’t be discouraged. Your business might be doing okay and you’re spending only a couple hours per week on marketing. Imagine if you started spending 30-40% of your time on marketing?
You’ll find it helpful to separate marketing into its two main functions: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink."
Marketing is all about attracting new prospects as well as getting your existing clients to buy more and more often. You do this with your website, printed and e-mail newsletters, public seminars, advertising and all other ways of getting the word out. This also includes making it easy for your clients to refer their friends and relatives.
Sales is persuading that prospect in your office or conference room to place their trust (and money) with you.
Sales & marketing efforts work together to grow your practice. For example, any advisor without any marketing materials, advertising, or website has a much tougher job convincing the prospect in his office to become a client. Why? Because targeted marketing efforts attract more qualified prospects while screening out others. And marketing materials help tell your story well before your prospect walks in the door.
So your action item is to track your time in Sales/marketing, operations, and admin. In my next article, I’ll take a closer look at admin.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Finding More Time for Marketing - Part 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Finding More Time for Marketing - Part 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to grow your practice by increasing your focus on marketing activities. You know this will take time. Yet you feel overloaded these days already. Where can you find some more time?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to grow your practice by increasing your focus on marketing activities. You know this will take time. Yet you feel overloaded these days already. Where can you find some more time?
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/47-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/47-autosave/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor."
Be sure to give one to your friend at your high school reunion.
But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor."
Be sure to give one to your friend at your high school reunion.
But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Developing Your "Marketing Mindset"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Developing Your "Marketing Mindset"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/18-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/18-revision-8/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy seniors magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town.
Creating a high glitz, beautiful, Flash-based website which gets no traffic and is instantly static
Almost any unproven, untested marketing activity done in haste qualifies as a magic bullet marketing activity. Or anything requiring "just a few minutes of your time and your major credit card...."
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy seniors magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town.
Creating a high glitz, beautiful, Flash-based website which gets no traffic and is instantly static
Almost any unproven, untested marketing activity done in haste qualifies as a magic bullet marketing activity. Or anything requiring "just a few minutes of your time and your major credit card...."
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/28-revision-14/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery [Richard: This Wall Street Journal article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
Source: http://online.wsj.com/article/SB124604151653862301.html#
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery [Richard: This Wall Street Journal article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
Source: http://online.wsj.com/article/SB124604151653862301.html#
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 'Evil' Madoff Gets 150 Years in Epic Fraud
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 'Evil' Madoff Gets 150 Years in Epic Fraud
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery
[Richard: This article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery
[Richard: This article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/?p=65
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=65
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-28 12:12:27
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery
[Richard: This article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
Bernard Madoff, the self-confessed author of the biggest financial swindle in history, was sentenced to the maximum 150 years behind bars for what his judge called an "extraordinarily evil" fraud that shook the nation's faith in its financial and legal systems and took "a staggering toll" on rich and poor alike.
The landmark sentence, one of the stiffest ever given for a white-collar crime, came just six months after Mr. Madoff, a pioneer on Wall Street, allegedly told his sons that his entire business was a massive Ponzi scheme. The penalty sparked a burst of applause in a courtroom packed with victims of the fraud.
Earlier, nine of those victims confronted Mr. Madoff in court, calling him a "monster" and a "low life."
"I hope his sentence is long enough so his jail cell will become his coffin," said Michael Schwartz, 33 years old, of New Jersey, who said his family's funds with Madoff had been for the care of his mentally disabled brother.
U.S. District Court Judge Denny Chin noted that more than 100 victims had written letters to him, citing one from a widow who said she went to see Mr. Madoff two weeks after the death of her husband, who had invested their life savings with him. Mr. Madoff put his arm around the widow and said, "Your money is safe with me," according to the letter Judge Chin cited. Judge Chin said Mr. Madoff didn't receive a single letter or statement of support before the sentencing.
Mr. Madoff, dressed in a charcoal gray suit and wearing rimless glasses, appeared without a single member of his family in attendance. He kept his back to the victims as they spoke. But for a brief moment during his remarks, he turned around to face them and said: "I'm sorry. I know that doesn't help you."
Mr. Madoff, 71, also told the court, "I will live with this pain, with this torment, for the rest of my life."
While the trial phase of Mr. Madoff's legal battle is ended, many questions remain unanswered. The public still doesn't know the exact breadth of the losses and whether co-conspirators were involved. The case has also highlighted shortcomings of financial watchdogs, particularly the Securities and Exchange Commission, which failed to catch the crime despite repeated warnings.
Judge Chin faulted Mr. Madoff for failing to be more forthcoming with authorities since his Dec. 11 arrest. "I don't get a sense that Mr. Madoff has done all he could, or told all that he knows," the judge said.
During a short statement in court, Mr. Madoff spoke softly and pressed his hands against the defense table. He continued to insulate his family and co-workers, saying they were lied to. Family members who worked at the firm, as well as some employees, remain under scrutiny but haven't been charged. He periodically drank water from a paper cup.
Following Bernie Madoff's sentence of 150 years in prison, Kelsey Hubbard gets reactions from victims of the fraud and talks with WSJ's Peter Lattman about what went on inside the courtroom.
"I cannot offer you an excuse for my behavior," Mr. Madoff said. "How do you excuse betraying thousands of investors who entrusted me with their life savings? How do you excuse deceiving 200 employees who spent most of their working life with me? How do you excuse lying to a brother and two sons who spent their entire lives helping to build a successful business? How do you excuse lying to a wife who stood by you for 50 years?"
Mr. Madoff's wife, Ruth Madoff, after the sentencing made her first public statement, saying that "like everyone else, I feel betrayed and confused. The man who committed this horrible fraud is not the man whom I have known for all these years."
Mr. Madoff's attorney, Ira Sorkin, said that Mr. Madoff was a "deeply flawed individual" but maintained that most of the fraud money went to other investors. He added that the $13 billion figure cited by the government as the net losses suffered by account holders since 1995 was overstated, since at least $1 billion in recovered assets will be returned to investors, and perhaps a lot more. The judge said that was irrelevant to the case. Mr. Sorkin said Mr. Madoff deserved only 12 years in prison, since he was 71 and had helped the government in its investigation -- a statement Judge Chin questioned.
After the sentence, Mr. Sorkin said he hadn't decided whether to appeal. "The judge has ruled," he said. Because the sentence is within the federal sentencing guidelines for the case, which are advisory, few lawyers believe an appeals court would rule that it's too high.
The sentence marked a victory for federal prosecutors who asked for the 150-year sentence, the statutory maximum for the 11 criminal counts he pled guilty to, citing the fraud's size and duration. Mr. Madoff ran the Ponzi scheme for at least 20 years, prosecutors say.
It's unclear where Mr. Madoff will do his time; the decision is made by the Bureau of Prisons. Mr. Sorkin asked for a medium-security prison in Otisville, N.Y., but Judge Chin said only that he would recommend to the bureau that it choose an appropriate facility in the Northeast.
Bureau of Prisons guidelines recommend a high-security prison facility for inmates serving sentences longer than 30 years. However, the bureau may still determine that a lower-security prison is appropriate.
There's no parole in the federal system. Mr. Madoff is eligible for 15% off from his original sentence for good behavior, which would still leave him facing at least 127 years.
The sentencing, while high, isn't a record for financial fraud. In the past decade there have been sentences as high as 330 and 845 years.
The case continues to reverberate on Wall Street. Michael Holland, chairman of Holland & Co., a New York investment company, says he thinks the Madoff case is one reason a number of investors, including wealthy families, endowments and charities, are moving from using a money manager to more "passive" investment strategies, such as index funds that track broad markets and leave less room for individuals to direct money.
"The future of the money-management business looks less rosy," he says. "Years ago, people had to have their money managed somewhere, but today you may not be able to charge the large fees and live in Palm Beach to do it."
But some are skeptical the impact from the Madoff case will be long lasting.
"Every time you get a bubble that bursts, scams come to light, but 10 years down the road we'll be well past this, it will be ancient history," says Bert Ely, a longtime banking consultant in Alexandria, Va. "There always will be new scammers and they won't be dissuaded by this. He's getting life in jail but look at all the great years he's had."
Source: http://online.wsj.com/article/SB124604151653862301.html#
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery
[Richard: This article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
Bernard Madoff, the self-confessed author of the biggest financial swindle in history, was sentenced to the maximum 150 years behind bars for what his judge called an "extraordinarily evil" fraud that shook the nation's faith in its financial and legal systems and took "a staggering toll" on rich and poor alike.
The landmark sentence, one of the stiffest ever given for a white-collar crime, came just six months after Mr. Madoff, a pioneer on Wall Street, allegedly told his sons that his entire business was a massive Ponzi scheme. The penalty sparked a burst of applause in a courtroom packed with victims of the fraud.
Earlier, nine of those victims confronted Mr. Madoff in court, calling him a "monster" and a "low life."
"I hope his sentence is long enough so his jail cell will become his coffin," said Michael Schwartz, 33 years old, of New Jersey, who said his family's funds with Madoff had been for the care of his mentally disabled brother.
U.S. District Court Judge Denny Chin noted that more than 100 victims had written letters to him, citing one from a widow who said she went to see Mr. Madoff two weeks after the death of her husband, who had invested their life savings with him. Mr. Madoff put his arm around the widow and said, "Your money is safe with me," according to the letter Judge Chin cited. Judge Chin said Mr. Madoff didn't receive a single letter or statement of support before the sentencing.
Mr. Madoff, dressed in a charcoal gray suit and wearing rimless glasses, appeared without a single member of his family in attendance. He kept his back to the victims as they spoke. But for a brief moment during his remarks, he turned around to face them and said: "I'm sorry. I know that doesn't help you."
Mr. Madoff, 71, also told the court, "I will live with this pain, with this torment, for the rest of my life."
While the trial phase of Mr. Madoff's legal battle is ended, many questions remain unanswered. The public still doesn't know the exact breadth of the losses and whether co-conspirators were involved. The case has also highlighted shortcomings of financial watchdogs, particularly the Securities and Exchange Commission, which failed to catch the crime despite repeated warnings.
Judge Chin faulted Mr. Madoff for failing to be more forthcoming with authorities since his Dec. 11 arrest. "I don't get a sense that Mr. Madoff has done all he could, or told all that he knows," the judge said.
During a short statement in court, Mr. Madoff spoke softly and pressed his hands against the defense table. He continued to insulate his family and co-workers, saying they were lied to. Family members who worked at the firm, as well as some employees, remain under scrutiny but haven't been charged. He periodically drank water from a paper cup.
Following Bernie Madoff's sentence of 150 years in prison, Kelsey Hubbard gets reactions from victims of the fraud and talks with WSJ's Peter Lattman about what went on inside the courtroom.
"I cannot offer you an excuse for my behavior," Mr. Madoff said. "How do you excuse betraying thousands of investors who entrusted me with their life savings? How do you excuse deceiving 200 employees who spent most of their working life with me? How do you excuse lying to a brother and two sons who spent their entire lives helping to build a successful business? How do you excuse lying to a wife who stood by you for 50 years?"
Mr. Madoff's wife, Ruth Madoff, after the sentencing made her first public statement, saying that "like everyone else, I feel betrayed and confused. The man who committed this horrible fraud is not the man whom I have known for all these years."
Mr. Madoff's attorney, Ira Sorkin, said that Mr. Madoff was a "deeply flawed individual" but maintained that most of the fraud money went to other investors. He added that the $13 billion figure cited by the government as the net losses suffered by account holders since 1995 was overstated, since at least $1 billion in recovered assets will be returned to investors, and perhaps a lot more. The judge said that was irrelevant to the case. Mr. Sorkin said Mr. Madoff deserved only 12 years in prison, since he was 71 and had helped the government in its investigation -- a statement Judge Chin questioned.
After the sentence, Mr. Sorkin said he hadn't decided whether to appeal. "The judge has ruled," he said. Because the sentence is within the federal sentencing guidelines for the case, which are advisory, few lawyers believe an appeals court would rule that it's too high.
The sentence marked a victory for federal prosecutors who asked for the 150-year sentence, the statutory maximum for the 11 criminal counts he pled guilty to, citing the fraud's size and duration. Mr. Madoff ran the Ponzi scheme for at least 20 years, prosecutors say.
It's unclear where Mr. Madoff will do his time; the decision is made by the Bureau of Prisons. Mr. Sorkin asked for a medium-security prison in Otisville, N.Y., but Judge Chin said only that he would recommend to the bureau that it choose an appropriate facility in the Northeast.
Bureau of Prisons guidelines recommend a high-security prison facility for inmates serving sentences longer than 30 years. However, the bureau may still determine that a lower-security prison is appropriate.
There's no parole in the federal system. Mr. Madoff is eligible for 15% off from his original sentence for good behavior, which would still leave him facing at least 127 years.
The sentencing, while high, isn't a record for financial fraud. In the past decade there have been sentences as high as 330 and 845 years.
The case continues to reverberate on Wall Street. Michael Holland, chairman of Holland & Co., a New York investment company, says he thinks the Madoff case is one reason a number of investors, including wealthy families, endowments and charities, are moving from using a money manager to more "passive" investment strategies, such as index funds that track broad markets and leave less room for individuals to direct money.
"The future of the money-management business looks less rosy," he says. "Years ago, people had to have their money managed somewhere, but today you may not be able to charge the large fees and live in Palm Beach to do it."
But some are skeptical the impact from the Madoff case will be long lasting.
"Every time you get a bubble that bursts, scams come to light, but 10 years down the road we'll be well past this, it will be ancient history," says Bert Ely, a longtime banking consultant in Alexandria, Va. "There always will be new scammers and they won't be dissuaded by this. He's getting life in jail but look at all the great years he's had."
Source: http://online.wsj.com/article/SB124604151653862301.html#
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery
[Richard: This article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
Bernard Madoff, the self-confessed author of the biggest financial swindle in history, was sentenced to the maximum 150 years behind bars for what his judge called an "extraordinarily evil" fraud that shook the nation's faith in its financial and legal systems and took "a staggering toll" on rich and poor alike.
The landmark sentence, one of the stiffest ever given for a white-collar crime, came just six months after Mr. Madoff, a pioneer on Wall Street, allegedly told his sons that his entire business was a massive Ponzi scheme. The penalty sparked a burst of applause in a courtroom packed with victims of the fraud.
Earlier, nine of those victims confronted Mr. Madoff in court, calling him a "monster" and a "low life."
"I hope his sentence is long enough so his jail cell will become his coffin," said Michael Schwartz, 33 years old, of New Jersey, who said his family's funds with Madoff had been for the care of his mentally disabled brother.
U.S. District Court Judge Denny Chin noted that more than 100 victims had written letters to him, citing one from a widow who said she went to see Mr. Madoff two weeks after the death of her husband, who had invested their life savings with him. Mr. Madoff put his arm around the widow and said, "Your money is safe with me," according to the letter Judge Chin cited. Judge Chin said Mr. Madoff didn't receive a single letter or statement of support before the sentencing.
Mr. Madoff, dressed in a charcoal gray suit and wearing rimless glasses, appeared without a single member of his family in attendance. He kept his back to the victims as they spoke. But for a brief moment during his remarks, he turned around to face them and said: "I'm sorry. I know that doesn't help you."
Mr. Madoff, 71, also told the court, "I will live with this pain, with this torment, for the rest of my life."
While the trial phase of Mr. Madoff's legal battle is ended, many questions remain unanswered. The public still doesn't know the exact breadth of the losses and whether co-conspirators were involved. The case has also highlighted shortcomings of financial watchdogs, particularly the Securities and Exchange Commission, which failed to catch the crime despite repeated warnings.
Judge Chin faulted Mr. Madoff for failing to be more forthcoming with authorities since his Dec. 11 arrest. "I don't get a sense that Mr. Madoff has done all he could, or told all that he knows," the judge said.
During a short statement in court, Mr. Madoff spoke softly and pressed his hands against the defense table. He continued to insulate his family and co-workers, saying they were lied to. Family members who worked at the firm, as well as some employees, remain under scrutiny but haven't been charged. He periodically drank water from a paper cup.
Following Bernie Madoff's sentence of 150 years in prison, Kelsey Hubbard gets reactions from victims of the fraud and talks with WSJ's Peter Lattman about what went on inside the courtroom.
"I cannot offer you an excuse for my behavior," Mr. Madoff said. "How do you excuse betraying thousands of investors who entrusted me with their life savings? How do you excuse deceiving 200 employees who spent most of their working life with me? How do you excuse lying to a brother and two sons who spent their entire lives helping to build a successful business? How do you excuse lying to a wife who stood by you for 50 years?"
Mr. Madoff's wife, Ruth Madoff, after the sentencing made her first public statement, saying that "like everyone else, I feel betrayed and confused. The man who committed this horrible fraud is not the man whom I have known for all these years."
Mr. Madoff's attorney, Ira Sorkin, said that Mr. Madoff was a "deeply flawed individual" but maintained that most of the fraud money went to other investors. He added that the $13 billion figure cited by the government as the net losses suffered by account holders since 1995 was overstated, since at least $1 billion in recovered assets will be returned to investors, and perhaps a lot more. The judge said that was irrelevant to the case. Mr. Sorkin said Mr. Madoff deserved only 12 years in prison, since he was 71 and had helped the government in its investigation -- a statement Judge Chin questioned.
After the sentence, Mr. Sorkin said he hadn't decided whether to appeal. "The judge has ruled," he said. Because the sentence is within the federal sentencing guidelines for the case, which are advisory, few lawyers believe an appeals court would rule that it's too high.
The sentence marked a victory for federal prosecutors who asked for the 150-year sentence, the statutory maximum for the 11 criminal counts he pled guilty to, citing the fraud's size and duration. Mr. Madoff ran the Ponzi scheme for at least 20 years, prosecutors say.
It's unclear where Mr. Madoff will do his time; the decision is made by the Bureau of Prisons. Mr. Sorkin asked for a medium-security prison in Otisville, N.Y., but Judge Chin said only that he would recommend to the bureau that it choose an appropriate facility in the Northeast.
Bureau of Prisons guidelines recommend a high-security prison facility for inmates serving sentences longer than 30 years. However, the bureau may still determine that a lower-security prison is appropriate.
There's no parole in the federal system. Mr. Madoff is eligible for 15% off from his original sentence for good behavior, which would still leave him facing at least 127 years.
The sentencing, while high, isn't a record for financial fraud. In the past decade there have been sentences as high as 330 and 845 years.
The case continues to reverberate on Wall Street. Michael Holland, chairman of Holland & Co., a New York investment company, says he thinks the Madoff case is one reason a number of investors, including wealthy families, endowments and charities, are moving from using a money manager to more "passive" investment strategies, such as index funds that track broad markets and leave less room for individuals to direct money.
"The future of the money-management business looks less rosy," he says. "Years ago, people had to have their money managed somewhere, but today you may not be able to charge the large fees and live in Palm Beach to do it."
But some are skeptical the impact from the Madoff case will be long lasting.
"Every time you get a bubble that bursts, scams come to light, but 10 years down the road we'll be well past this, it will be ancient history," says Bert Ely, a longtime banking consultant in Alexandria, Va. "There always will be new scammers and they won't be dissuaded by this. He's getting life in jail but look at all the great years he's had."
Source: http://online.wsj.com/article/SB124604151653862301.html#
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery
[Richard: This article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
Bernard Madoff, the self-confessed author of the biggest financial swindle in history, was sentenced to the maximum 150 years behind bars for what his judge called an "extraordinarily evil" fraud that shook the nation's faith in its financial and legal systems and took "a staggering toll" on rich and poor alike.
The landmark sentence, one of the stiffest ever given for a white-collar crime, came just six months after Mr. Madoff, a pioneer on Wall Street, allegedly told his sons that his entire business was a massive Ponzi scheme. The penalty sparked a burst of applause in a courtroom packed with victims of the fraud.
Earlier, nine of those victims confronted Mr. Madoff in court, calling him a "monster" and a "low life."
"I hope his sentence is long enough so his jail cell will become his coffin," said Michael Schwartz, 33 years old, of New Jersey, who said his family's funds with Madoff had been for the care of his mentally disabled brother.
U.S. District Court Judge Denny Chin noted that more than 100 victims had written letters to him, citing one from a widow who said she went to see Mr. Madoff two weeks after the death of her husband, who had invested their life savings with him. Mr. Madoff put his arm around the widow and said, "Your money is safe with me," according to the letter Judge Chin cited. Judge Chin said Mr. Madoff didn't receive a single letter or statement of support before the sentencing.
Mr. Madoff, dressed in a charcoal gray suit and wearing rimless glasses, appeared without a single member of his family in attendance. He kept his back to the victims as they spoke. But for a brief moment during his remarks, he turned around to face them and said: "I'm sorry. I know that doesn't help you."
Mr. Madoff, 71, also told the court, "I will live with this pain, with this torment, for the rest of my life."
While the trial phase of Mr. Madoff's legal battle is ended, many questions remain unanswered. The public still doesn't know the exact breadth of the losses and whether co-conspirators were involved. The case has also highlighted shortcomings of financial watchdogs, particularly the Securities and Exchange Commission, which failed to catch the crime despite repeated warnings.
Judge Chin faulted Mr. Madoff for failing to be more forthcoming with authorities since his Dec. 11 arrest. "I don't get a sense that Mr. Madoff has done all he could, or told all that he knows," the judge said.
During a short statement in court, Mr. Madoff spoke softly and pressed his hands against the defense table. He continued to insulate his family and co-workers, saying they were lied to. Family members who worked at the firm, as well as some employees, remain under scrutiny but haven't been charged. He periodically drank water from a paper cup.
Following Bernie Madoff's sentence of 150 years in prison, Kelsey Hubbard gets reactions from victims of the fraud and talks with WSJ's Peter Lattman about what went on inside the courtroom.
"I cannot offer you an excuse for my behavior," Mr. Madoff said. "How do you excuse betraying thousands of investors who entrusted me with their life savings? How do you excuse deceiving 200 employees who spent most of their working life with me? How do you excuse lying to a brother and two sons who spent their entire lives helping to build a successful business? How do you excuse lying to a wife who stood by you for 50 years?"
Mr. Madoff's wife, Ruth Madoff, after the sentencing made her first public statement, saying that "like everyone else, I feel betrayed and confused. The man who committed this horrible fraud is not the man whom I have known for all these years."
Mr. Madoff's attorney, Ira Sorkin, said that Mr. Madoff was a "deeply flawed individual" but maintained that most of the fraud money went to other investors. He added that the $13 billion figure cited by the government as the net losses suffered by account holders since 1995 was overstated, since at least $1 billion in recovered assets will be returned to investors, and perhaps a lot more. The judge said that was irrelevant to the case. Mr. Sorkin said Mr. Madoff deserved only 12 years in prison, since he was 71 and had helped the government in its investigation -- a statement Judge Chin questioned.
After the sentence, Mr. Sorkin said he hadn't decided whether to appeal. "The judge has ruled," he said. Because the sentence is within the federal sentencing guidelines for the case, which are advisory, few lawyers believe an appeals court would rule that it's too high.
The sentence marked a victory for federal prosecutors who asked for the 150-year sentence, the statutory maximum for the 11 criminal counts he pled guilty to, citing the fraud's size and duration. Mr. Madoff ran the Ponzi scheme for at least 20 years, prosecutors say.
It's unclear where Mr. Madoff will do his time; the decision is made by the Bureau of Prisons. Mr. Sorkin asked for a medium-security prison in Otisville, N.Y., but Judge Chin said only that he would recommend to the bureau that it choose an appropriate facility in the Northeast.
Bureau of Prisons guidelines recommend a high-security prison facility for inmates serving sentences longer than 30 years. However, the bureau may still determine that a lower-security prison is appropriate.
There's no parole in the federal system. Mr. Madoff is eligible for 15% off from his original sentence for good behavior, which would still leave him facing at least 127 years.
The sentencing, while high, isn't a record for financial fraud. In the past decade there have been sentences as high as 330 and 845 years.
The case continues to reverberate on Wall Street. Michael Holland, chairman of Holland & Co., a New York investment company, says he thinks the Madoff case is one reason a number of investors, including wealthy families, endowments and charities, are moving from using a money manager to more "passive" investment strategies, such as index funds that track broad markets and leave less room for individuals to direct money.
"The future of the money-management business looks less rosy," he says. "Years ago, people had to have their money managed somewhere, but today you may not be able to charge the large fees and live in Palm Beach to do it."
But some are skeptical the impact from the Madoff case will be long lasting.
"Every time you get a bubble that bursts, scams come to light, but 10 years down the road we'll be well past this, it will be ancient history," says Bert Ely, a longtime banking consultant in Alexandria, Va. "There always will be new scammers and they won't be dissuaded by this. He's getting life in jail but look at all the great years he's had."
Source: http://online.wsj.com/article/SB124604151653862301.html#
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 'Evil' Madoff Gets 150 Years in Epic Fraud
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 'Evil' Madoff Gets 150 Years in Epic Fraud
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery
[Richard: This article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery
[Richard: This article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/65-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/65-revision-2/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery [Richard: This Wall Street Journal article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
Bernard Madoff, the self-confessed author of the biggest financial swindle in history, was sentenced to the maximum 150 years behind bars for what his judge called an "extraordinarily evil" fraud that shook the nation's faith in its financial and legal systems and took "a staggering toll" on rich and poor alike.
The landmark sentence, one of the stiffest ever given for a white-collar crime, came just six months after Mr. Madoff, a pioneer on Wall Street, allegedly told his sons that his entire business was a massive Ponzi scheme. The penalty sparked a burst of applause in a courtroom packed with victims of the fraud.
Earlier, nine of those victims confronted Mr. Madoff in court, calling him a "monster" and a "low life."
"I hope his sentence is long enough so his jail cell will become his coffin," said Michael Schwartz, 33 years old, of New Jersey, who said his family's funds with Madoff had been for the care of his mentally disabled brother.
U.S. District Court Judge Denny Chin noted that more than 100 victims had written letters to him, citing one from a widow who said she went to see Mr. Madoff two weeks after the death of her husband, who had invested their life savings with him. Mr. Madoff put his arm around the widow and said, "Your money is safe with me," according to the letter Judge Chin cited. Judge Chin said Mr. Madoff didn't receive a single letter or statement of support before the sentencing.
Mr. Madoff, dressed in a charcoal gray suit and wearing rimless glasses, appeared without a single member of his family in attendance. He kept his back to the victims as they spoke. But for a brief moment during his remarks, he turned around to face them and said: "I'm sorry. I know that doesn't help you."
Mr. Madoff, 71, also told the court, "I will live with this pain, with this torment, for the rest of my life."
While the trial phase of Mr. Madoff's legal battle is ended, many questions remain unanswered. The public still doesn't know the exact breadth of the losses and whether co-conspirators were involved. The case has also highlighted shortcomings of financial watchdogs, particularly the Securities and Exchange Commission, which failed to catch the crime despite repeated warnings.
Judge Chin faulted Mr. Madoff for failing to be more forthcoming with authorities since his Dec. 11 arrest. "I don't get a sense that Mr. Madoff has done all he could, or told all that he knows," the judge said.
During a short statement in court, Mr. Madoff spoke softly and pressed his hands against the defense table. He continued to insulate his family and co-workers, saying they were lied to. Family members who worked at the firm, as well as some employees, remain under scrutiny but haven't been charged. He periodically drank water from a paper cup.
Following Bernie Madoff's sentence of 150 years in prison, Kelsey Hubbard gets reactions from victims of the fraud and talks with WSJ's Peter Lattman about what went on inside the courtroom.
"I cannot offer you an excuse for my behavior," Mr. Madoff said. "How do you excuse betraying thousands of investors who entrusted me with their life savings? How do you excuse deceiving 200 employees who spent most of their working life with me? How do you excuse lying to a brother and two sons who spent their entire lives helping to build a successful business? How do you excuse lying to a wife who stood by you for 50 years?"
Mr. Madoff's wife, Ruth Madoff, after the sentencing made her first public statement, saying that "like everyone else, I feel betrayed and confused. The man who committed this horrible fraud is not the man whom I have known for all these years."
Mr. Madoff's attorney, Ira Sorkin, said that Mr. Madoff was a "deeply flawed individual" but maintained that most of the fraud money went to other investors. He added that the $13 billion figure cited by the government as the net losses suffered by account holders since 1995 was overstated, since at least $1 billion in recovered assets will be returned to investors, and perhaps a lot more. The judge said that was irrelevant to the case. Mr. Sorkin said Mr. Madoff deserved only 12 years in prison, since he was 71 and had helped the government in its investigation -- a statement Judge Chin questioned.
After the sentence, Mr. Sorkin said he hadn't decided whether to appeal. "The judge has ruled," he said. Because the sentence is within the federal sentencing guidelines for the case, which are advisory, few lawyers believe an appeals court would rule that it's too high.
The sentence marked a victory for federal prosecutors who asked for the 150-year sentence, the statutory maximum for the 11 criminal counts he pled guilty to, citing the fraud's size and duration. Mr. Madoff ran the Ponzi scheme for at least 20 years, prosecutors say.
It's unclear where Mr. Madoff will do his time; the decision is made by the Bureau of Prisons. Mr. Sorkin asked for a medium-security prison in Otisville, N.Y., but Judge Chin said only that he would recommend to the bureau that it choose an appropriate facility in the Northeast.
Bureau of Prisons guidelines recommend a high-security prison facility for inmates serving sentences longer than 30 years. However, the bureau may still determine that a lower-security prison is appropriate.
There's no parole in the federal system. Mr. Madoff is eligible for 15% off from his original sentence for good behavior, which would still leave him facing at least 127 years.
The sentencing, while high, isn't a record for financial fraud. In the past decade there have been sentences as high as 330 and 845 years.
The case continues to reverberate on Wall Street. Michael Holland, chairman of Holland & Co., a New York investment company, says he thinks the Madoff case is one reason a number of investors, including wealthy families, endowments and charities, are moving from using a money manager to more "passive" investment strategies, such as index funds that track broad markets and leave less room for individuals to direct money.
"The future of the money-management business looks less rosy," he says. "Years ago, people had to have their money managed somewhere, but today you may not be able to charge the large fees and live in Palm Beach to do it."
But some are skeptical the impact from the Madoff case will be long lasting.
"Every time you get a bubble that bursts, scams come to light, but 10 years down the road we'll be well past this, it will be ancient history," says Bert Ely, a longtime banking consultant in Alexandria, Va. "There always will be new scammers and they won't be dissuaded by this. He's getting life in jail but look at all the great years he's had."
Source: http://online.wsj.com/article/SB124604151653862301.html#
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery [Richard: This Wall Street Journal article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
Bernard Madoff, the self-confessed author of the biggest financial swindle in history, was sentenced to the maximum 150 years behind bars for what his judge called an "extraordinarily evil" fraud that shook the nation's faith in its financial and legal systems and took "a staggering toll" on rich and poor alike.
The landmark sentence, one of the stiffest ever given for a white-collar crime, came just six months after Mr. Madoff, a pioneer on Wall Street, allegedly told his sons that his entire business was a massive Ponzi scheme. The penalty sparked a burst of applause in a courtroom packed with victims of the fraud.
Earlier, nine of those victims confronted Mr. Madoff in court, calling him a "monster" and a "low life."
"I hope his sentence is long enough so his jail cell will become his coffin," said Michael Schwartz, 33 years old, of New Jersey, who said his family's funds with Madoff had been for the care of his mentally disabled brother.
U.S. District Court Judge Denny Chin noted that more than 100 victims had written letters to him, citing one from a widow who said she went to see Mr. Madoff two weeks after the death of her husband, who had invested their life savings with him. Mr. Madoff put his arm around the widow and said, "Your money is safe with me," according to the letter Judge Chin cited. Judge Chin said Mr. Madoff didn't receive a single letter or statement of support before the sentencing.
Mr. Madoff, dressed in a charcoal gray suit and wearing rimless glasses, appeared without a single member of his family in attendance. He kept his back to the victims as they spoke. But for a brief moment during his remarks, he turned around to face them and said: "I'm sorry. I know that doesn't help you."
Mr. Madoff, 71, also told the court, "I will live with this pain, with this torment, for the rest of my life."
While the trial phase of Mr. Madoff's legal battle is ended, many questions remain unanswered. The public still doesn't know the exact breadth of the losses and whether co-conspirators were involved. The case has also highlighted shortcomings of financial watchdogs, particularly the Securities and Exchange Commission, which failed to catch the crime despite repeated warnings.
Judge Chin faulted Mr. Madoff for failing to be more forthcoming with authorities since his Dec. 11 arrest. "I don't get a sense that Mr. Madoff has done all he could, or told all that he knows," the judge said.
During a short statement in court, Mr. Madoff spoke softly and pressed his hands against the defense table. He continued to insulate his family and co-workers, saying they were lied to. Family members who worked at the firm, as well as some employees, remain under scrutiny but haven't been charged. He periodically drank water from a paper cup.
Following Bernie Madoff's sentence of 150 years in prison, Kelsey Hubbard gets reactions from victims of the fraud and talks with WSJ's Peter Lattman about what went on inside the courtroom.
"I cannot offer you an excuse for my behavior," Mr. Madoff said. "How do you excuse betraying thousands of investors who entrusted me with their life savings? How do you excuse deceiving 200 employees who spent most of their working life with me? How do you excuse lying to a brother and two sons who spent their entire lives helping to build a successful business? How do you excuse lying to a wife who stood by you for 50 years?"
Mr. Madoff's wife, Ruth Madoff, after the sentencing made her first public statement, saying that "like everyone else, I feel betrayed and confused. The man who committed this horrible fraud is not the man whom I have known for all these years."
Mr. Madoff's attorney, Ira Sorkin, said that Mr. Madoff was a "deeply flawed individual" but maintained that most of the fraud money went to other investors. He added that the $13 billion figure cited by the government as the net losses suffered by account holders since 1995 was overstated, since at least $1 billion in recovered assets will be returned to investors, and perhaps a lot more. The judge said that was irrelevant to the case. Mr. Sorkin said Mr. Madoff deserved only 12 years in prison, since he was 71 and had helped the government in its investigation -- a statement Judge Chin questioned.
After the sentence, Mr. Sorkin said he hadn't decided whether to appeal. "The judge has ruled," he said. Because the sentence is within the federal sentencing guidelines for the case, which are advisory, few lawyers believe an appeals court would rule that it's too high.
The sentence marked a victory for federal prosecutors who asked for the 150-year sentence, the statutory maximum for the 11 criminal counts he pled guilty to, citing the fraud's size and duration. Mr. Madoff ran the Ponzi scheme for at least 20 years, prosecutors say.
It's unclear where Mr. Madoff will do his time; the decision is made by the Bureau of Prisons. Mr. Sorkin asked for a medium-security prison in Otisville, N.Y., but Judge Chin said only that he would recommend to the bureau that it choose an appropriate facility in the Northeast.
Bureau of Prisons guidelines recommend a high-security prison facility for inmates serving sentences longer than 30 years. However, the bureau may still determine that a lower-security prison is appropriate.
There's no parole in the federal system. Mr. Madoff is eligible for 15% off from his original sentence for good behavior, which would still leave him facing at least 127 years.
The sentencing, while high, isn't a record for financial fraud. In the past decade there have been sentences as high as 330 and 845 years.
The case continues to reverberate on Wall Street. Michael Holland, chairman of Holland & Co., a New York investment company, says he thinks the Madoff case is one reason a number of investors, including wealthy families, endowments and charities, are moving from using a money manager to more "passive" investment strategies, such as index funds that track broad markets and leave less room for individuals to direct money.
"The future of the money-management business looks less rosy," he says. "Years ago, people had to have their money managed somewhere, but today you may not be able to charge the large fees and live in Palm Beach to do it."
But some are skeptical the impact from the Madoff case will be long lasting.
"Every time you get a bubble that bursts, scams come to light, but 10 years down the road we'll be well past this, it will be ancient history," says Bert Ely, a longtime banking consultant in Alexandria, Va. "There always will be new scammers and they won't be dissuaded by this. He's getting life in jail but look at all the great years he's had."
Source: http://online.wsj.com/article/SB124604151653862301.html#
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 'Evil' Madoff Gets 150 Years in Epic Fraud
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 'Evil' Madoff Gets 150 Years in Epic Fraud
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery
[Richard: This article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery
[Richard: This article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/65-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/65-revision-3/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery [Richard: This Wall Street Journal article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
Source: http://online.wsj.com/article/SB124604151653862301.html#
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery [Richard: This Wall Street Journal article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
Source: http://online.wsj.com/article/SB124604151653862301.html#
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 'Evil' Madoff Gets 150 Years in Epic Fraud
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 'Evil' Madoff Gets 150 Years in Epic Fraud
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery
[Richard: This article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery
[Richard: This article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery [Richard: This Wall Street Journal article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
Bernard Madoff, the self-confessed author of the biggest financial swindle in history, was sentenced to the maximum 150 years behind bars for what his judge called an "extraordinarily evil" fraud that shook the nation's faith in its financial and legal systems and took "a staggering toll" on rich and poor alike.
The landmark sentence, one of the stiffest ever given for a white-collar crime, came just six months after Mr. Madoff, a pioneer on Wall Street, allegedly told his sons that his entire business was a massive Ponzi scheme. The penalty sparked a burst of applause in a courtroom packed with victims of the fraud.
Earlier, nine of those victims confronted Mr. Madoff in court, calling him a "monster" and a "low life."
"I hope his sentence is long enough so his jail cell will become his coffin," said Michael Schwartz, 33 years old, of New Jersey, who said his family's funds with Madoff had been for the care of his mentally disabled brother.
U.S. District Court Judge Denny Chin noted that more than 100 victims had written letters to him, citing one from a widow who said she went to see Mr. Madoff two weeks after the death of her husband, who had invested their life savings with him. Mr. Madoff put his arm around the widow and said, "Your money is safe with me," according to the letter Judge Chin cited. Judge Chin said Mr. Madoff didn't receive a single letter or statement of support before the sentencing.
Mr. Madoff, dressed in a charcoal gray suit and wearing rimless glasses, appeared without a single member of his family in attendance. He kept his back to the victims as they spoke. But for a brief moment during his remarks, he turned around to face them and said: "I'm sorry. I know that doesn't help you."
Mr. Madoff, 71, also told the court, "I will live with this pain, with this torment, for the rest of my life."
While the trial phase of Mr. Madoff's legal battle is ended, many questions remain unanswered. The public still doesn't know the exact breadth of the losses and whether co-conspirators were involved. The case has also highlighted shortcomings of financial watchdogs, particularly the Securities and Exchange Commission, which failed to catch the crime despite repeated warnings.
Judge Chin faulted Mr. Madoff for failing to be more forthcoming with authorities since his Dec. 11 arrest. "I don't get a sense that Mr. Madoff has done all he could, or told all that he knows," the judge said.
During a short statement in court, Mr. Madoff spoke softly and pressed his hands against the defense table. He continued to insulate his family and co-workers, saying they were lied to. Family members who worked at the firm, as well as some employees, remain under scrutiny but haven't been charged. He periodically drank water from a paper cup.
Following Bernie Madoff's sentence of 150 years in prison, Kelsey Hubbard gets reactions from victims of the fraud and talks with WSJ's Peter Lattman about what went on inside the courtroom.
"I cannot offer you an excuse for my behavior," Mr. Madoff said. "How do you excuse betraying thousands of investors who entrusted me with their life savings? How do you excuse deceiving 200 employees who spent most of their working life with me? How do you excuse lying to a brother and two sons who spent their entire lives helping to build a successful business? How do you excuse lying to a wife who stood by you for 50 years?"
Mr. Madoff's wife, Ruth Madoff, after the sentencing made her first public statement, saying that "like everyone else, I feel betrayed and confused. The man who committed this horrible fraud is not the man whom I have known for all these years."
Mr. Madoff's attorney, Ira Sorkin, said that Mr. Madoff was a "deeply flawed individual" but maintained that most of the fraud money went to other investors. He added that the $13 billion figure cited by the government as the net losses suffered by account holders since 1995 was overstated, since at least $1 billion in recovered assets will be returned to investors, and perhaps a lot more. The judge said that was irrelevant to the case. Mr. Sorkin said Mr. Madoff deserved only 12 years in prison, since he was 71 and had helped the government in its investigation -- a statement Judge Chin questioned.
After the sentence, Mr. Sorkin said he hadn't decided whether to appeal. "The judge has ruled," he said. Because the sentence is within the federal sentencing guidelines for the case, which are advisory, few lawyers believe an appeals court would rule that it's too high.
The sentence marked a victory for federal prosecutors who asked for the 150-year sentence, the statutory maximum for the 11 criminal counts he pled guilty to, citing the fraud's size and duration. Mr. Madoff ran the Ponzi scheme for at least 20 years, prosecutors say.
It's unclear where Mr. Madoff will do his time; the decision is made by the Bureau of Prisons. Mr. Sorkin asked for a medium-security prison in Otisville, N.Y., but Judge Chin said only that he would recommend to the bureau that it choose an appropriate facility in the Northeast.
Bureau of Prisons guidelines recommend a high-security prison facility for inmates serving sentences longer than 30 years. However, the bureau may still determine that a lower-security prison is appropriate.
There's no parole in the federal system. Mr. Madoff is eligible for 15% off from his original sentence for good behavior, which would still leave him facing at least 127 years.
The sentencing, while high, isn't a record for financial fraud. In the past decade there have been sentences as high as 330 and 845 years.
The case continues to reverberate on Wall Street. Michael Holland, chairman of Holland & Co., a New York investment company, says he thinks the Madoff case is one reason a number of investors, including wealthy families, endowments and charities, are moving from using a money manager to more "passive" investment strategies, such as index funds that track broad markets and leave less room for individuals to direct money.
"The future of the money-management business looks less rosy," he says. "Years ago, people had to have their money managed somewhere, but today you may not be able to charge the large fees and live in Palm Beach to do it."
But some are skeptical the impact from the Madoff case will be long lasting.
"Every time you get a bubble that bursts, scams come to light, but 10 years down the road we'll be well past this, it will be ancient history," says Bert Ely, a longtime banking consultant in Alexandria, Va. "There always will be new scammers and they won't be dissuaded by this. He's getting life in jail but look at all the great years he's had."
Source: http://online.wsj.com/article/SB124604151653862301.html#
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery [Richard: This Wall Street Journal article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
Bernard Madoff, the self-confessed author of the biggest financial swindle in history, was sentenced to the maximum 150 years behind bars for what his judge called an "extraordinarily evil" fraud that shook the nation's faith in its financial and legal systems and took "a staggering toll" on rich and poor alike.
The landmark sentence, one of the stiffest ever given for a white-collar crime, came just six months after Mr. Madoff, a pioneer on Wall Street, allegedly told his sons that his entire business was a massive Ponzi scheme. The penalty sparked a burst of applause in a courtroom packed with victims of the fraud.
Earlier, nine of those victims confronted Mr. Madoff in court, calling him a "monster" and a "low life."
"I hope his sentence is long enough so his jail cell will become his coffin," said Michael Schwartz, 33 years old, of New Jersey, who said his family's funds with Madoff had been for the care of his mentally disabled brother.
U.S. District Court Judge Denny Chin noted that more than 100 victims had written letters to him, citing one from a widow who said she went to see Mr. Madoff two weeks after the death of her husband, who had invested their life savings with him. Mr. Madoff put his arm around the widow and said, "Your money is safe with me," according to the letter Judge Chin cited. Judge Chin said Mr. Madoff didn't receive a single letter or statement of support before the sentencing.
Mr. Madoff, dressed in a charcoal gray suit and wearing rimless glasses, appeared without a single member of his family in attendance. He kept his back to the victims as they spoke. But for a brief moment during his remarks, he turned around to face them and said: "I'm sorry. I know that doesn't help you."
Mr. Madoff, 71, also told the court, "I will live with this pain, with this torment, for the rest of my life."
While the trial phase of Mr. Madoff's legal battle is ended, many questions remain unanswered. The public still doesn't know the exact breadth of the losses and whether co-conspirators were involved. The case has also highlighted shortcomings of financial watchdogs, particularly the Securities and Exchange Commission, which failed to catch the crime despite repeated warnings.
Judge Chin faulted Mr. Madoff for failing to be more forthcoming with authorities since his Dec. 11 arrest. "I don't get a sense that Mr. Madoff has done all he could, or told all that he knows," the judge said.
During a short statement in court, Mr. Madoff spoke softly and pressed his hands against the defense table. He continued to insulate his family and co-workers, saying they were lied to. Family members who worked at the firm, as well as some employees, remain under scrutiny but haven't been charged. He periodically drank water from a paper cup.
Following Bernie Madoff's sentence of 150 years in prison, Kelsey Hubbard gets reactions from victims of the fraud and talks with WSJ's Peter Lattman about what went on inside the courtroom.
"I cannot offer you an excuse for my behavior," Mr. Madoff said. "How do you excuse betraying thousands of investors who entrusted me with their life savings? How do you excuse deceiving 200 employees who spent most of their working life with me? How do you excuse lying to a brother and two sons who spent their entire lives helping to build a successful business? How do you excuse lying to a wife who stood by you for 50 years?"
Mr. Madoff's wife, Ruth Madoff, after the sentencing made her first public statement, saying that "like everyone else, I feel betrayed and confused. The man who committed this horrible fraud is not the man whom I have known for all these years."
Mr. Madoff's attorney, Ira Sorkin, said that Mr. Madoff was a "deeply flawed individual" but maintained that most of the fraud money went to other investors. He added that the $13 billion figure cited by the government as the net losses suffered by account holders since 1995 was overstated, since at least $1 billion in recovered assets will be returned to investors, and perhaps a lot more. The judge said that was irrelevant to the case. Mr. Sorkin said Mr. Madoff deserved only 12 years in prison, since he was 71 and had helped the government in its investigation -- a statement Judge Chin questioned.
After the sentence, Mr. Sorkin said he hadn't decided whether to appeal. "The judge has ruled," he said. Because the sentence is within the federal sentencing guidelines for the case, which are advisory, few lawyers believe an appeals court would rule that it's too high.
The sentence marked a victory for federal prosecutors who asked for the 150-year sentence, the statutory maximum for the 11 criminal counts he pled guilty to, citing the fraud's size and duration. Mr. Madoff ran the Ponzi scheme for at least 20 years, prosecutors say.
It's unclear where Mr. Madoff will do his time; the decision is made by the Bureau of Prisons. Mr. Sorkin asked for a medium-security prison in Otisville, N.Y., but Judge Chin said only that he would recommend to the bureau that it choose an appropriate facility in the Northeast.
Bureau of Prisons guidelines recommend a high-security prison facility for inmates serving sentences longer than 30 years. However, the bureau may still determine that a lower-security prison is appropriate.
There's no parole in the federal system. Mr. Madoff is eligible for 15% off from his original sentence for good behavior, which would still leave him facing at least 127 years.
The sentencing, while high, isn't a record for financial fraud. In the past decade there have been sentences as high as 330 and 845 years.
The case continues to reverberate on Wall Street. Michael Holland, chairman of Holland & Co., a New York investment company, says he thinks the Madoff case is one reason a number of investors, including wealthy families, endowments and charities, are moving from using a money manager to more "passive" investment strategies, such as index funds that track broad markets and leave less room for individuals to direct money.
"The future of the money-management business looks less rosy," he says. "Years ago, people had to have their money managed somewhere, but today you may not be able to charge the large fees and live in Palm Beach to do it."
But some are skeptical the impact from the Madoff case will be long lasting.
"Every time you get a bubble that bursts, scams come to light, but 10 years down the road we'll be well past this, it will be ancient history," says Bert Ely, a longtime banking consultant in Alexandria, Va. "There always will be new scammers and they won't be dissuaded by this. He's getting life in jail but look at all the great years he's had."
Source: http://online.wsj.com/article/SB124604151653862301.html#
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 'Evil' Madoff Gets 150 Years in Epic Fraud
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 'Evil' Madoff Gets 150 Years in Epic Fraud
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery
[Richard: This article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery
[Richard: This article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/65-revision-4/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 9508888-last-will-and-testament-document-on-old-paper-with-copyspace
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 9508888-last-will-and-testament-document-on-old-paper-with-copyspace
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/wp-content/uploads/2009/10/9508888-last-will-and-testament-document-on-old-paper-with-copyspace.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/2009/10/9508888-last-will-and-testament-document-on-old-paper-with-copyspace.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: closed
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/?page_id=93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?page_id=93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 6
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/93-revision-22/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-22/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/93-revision-21/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-21/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/93-revision-23/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-23/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/93-revision-24/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-24/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/93-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-28 11:42:17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-28 11:42:17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-28 19:42:17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-28 19:42:17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: He uses the CopyTalk mobile scribe service. You can leave a message up to 4 minutes long. So at 250 spoken words per minute, you can record about a thousand words. For comparison sake, this article is 662 words. Maybe you type 50 words per minute. This service would make you 5 times faster...and no hitting the backspace key to fix typos.
You really can "say it" and not "type it" and be a lot more productive. So let's look at just how this works:
1. Eliminate Handwritten Client Notes. Immediately after every client meeting, my client calls a phone number, enters his cell phone number and a PIN. He then has 4 minutes to describe what happened in the meeting:
What recommendations were made, and
What will be handled in the next meeting.
He hits the # key and it's ready for another message. Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the client's record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. Client letter creation. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Task Delegation. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. Radio Scripts. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts . Get the first draft done quickly when you're away from your computer. Then clean it up when you get back and send it out.
6. Calendar appointments . This helps keep your calendar up to date so your assistant doesn't double book you.
7. Tasks . You just call your number, leave your task, and it appears in your Outlook Task List. One less thing to remember to do.
Jott allows just 30 seconds per message so you need to speak quickly and to the point. We all should develop this habit.
You can try it for free for 7 days and see if it works for you. It really depends how much you're away from your office (i.e. your PC.)
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: He uses the CopyTalk mobile scribe service. You can leave a message up to 4 minutes long. So at 250 spoken words per minute, you can record about a thousand words. For comparison sake, this article is 662 words. Maybe you type 50 words per minute. This service would make you 5 times faster...and no hitting the backspace key to fix typos.
You really can "say it" and not "type it" and be a lot more productive. So let's look at just how this works:
1. Eliminate Handwritten Client Notes. Immediately after every client meeting, my client calls a phone number, enters his cell phone number and a PIN. He then has 4 minutes to describe what happened in the meeting:
What recommendations were made, and
What will be handled in the next meeting.
He hits the # key and it's ready for another message. Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the client's record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. Client letter creation. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Task Delegation. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. Radio Scripts. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts . Get the first draft done quickly when you're away from your computer. Then clean it up when you get back and send it out.
6. Calendar appointments . This helps keep your calendar up to date so your assistant doesn't double book you.
7. Tasks . You just call your number, leave your task, and it appears in your Outlook Task List. One less thing to remember to do.
Jott allows just 30 seconds per message so you need to speak quickly and to the point. We all should develop this habit.
You can try it for free for 7 days and see if it works for you. It really depends how much you're away from your office (i.e. your PC.)
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: say-it-dont-type-it
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: say-it-dont-type-it
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-20 21:31:41
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-20 21:31:41
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-21 05:31:41
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-21 05:31:41
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/?p=98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: post
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 96
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 96
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-30 14:31:39
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-30 14:31:39
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-30 21:31:39
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-30 21:31:39
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-30 14:31:39
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-30 14:31:39
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-30 21:31:39
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-30 21:31:39
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/93-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 95
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 95
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-30 14:25:25
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-30 14:25:25
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-30 21:25:25
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-30 21:25:25
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-30 14:25:25
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-30 14:25:25
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-30 21:25:25
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-30 21:25:25
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/93-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 97
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 97
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-30 14:31:42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-30 14:31:42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-30 21:31:42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-30 21:31:42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-30 14:31:42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-30 14:31:42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-30 21:31:42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-30 21:31:42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/93-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 99
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 99
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 10:21:02
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 10:21:02
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 18:21:02
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 18:21:02
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
CopyTalk
One of my clients uses the CopyTalk service to record his client meeting notes. He found this service to be a tremendous productivity booster.
Immediately after every client meeting, he calls a phone number, enters his cell phone number and a PIN. He then has 4 minutes to describe what happened in the meeting:
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
At 250 spoken words per minute, you can record 1000 words in the 4 minutes allowed. For comparison sake, this article is 537 words.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
This service saves him time in many other ways as well.
He drafts client letters by calling in and forwarding the email to his assistant.
Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
His handwriting is poor and he’s a very slow typist. Now that doesn’t matter and he can service far more clients and track them better than ever before. Miscommunications with staff have been reduced which saves them time and reduces frustration. Remember that helping staff be more productive frees up their time for marketing activities as well.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
Jott Assistant
You should also take a look at Jott Assistant found at http://jott.com/jott/jott-assistant-signup.html . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. You can link this to your Blackberry or Outlook and add email drafts, Calendar appointments, and Tasks by just calling them in.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost.
The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and comment below on how they work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
CopyTalk
One of my clients uses the CopyTalk service to record his client meeting notes. He found this service to be a tremendous productivity booster.
Immediately after every client meeting, he calls a phone number, enters his cell phone number and a PIN. He then has 4 minutes to describe what happened in the meeting:
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
At 250 spoken words per minute, you can record 1000 words in the 4 minutes allowed. For comparison sake, this article is 537 words.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
This service saves him time in many other ways as well.
He drafts client letters by calling in and forwarding the email to his assistant.
Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
His handwriting is poor and he’s a very slow typist. Now that doesn’t matter and he can service far more clients and track them better than ever before. Miscommunications with staff have been reduced which saves them time and reduces frustration. Remember that helping staff be more productive frees up their time for marketing activities as well.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
Jott Assistant
You should also take a look at Jott Assistant found at http://jott.com/jott/jott-assistant-signup.html . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. You can link this to your Blackberry or Outlook and add email drafts, Calendar appointments, and Tasks by just calling them in.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost.
The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and comment below on how they work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Eliminate Handwritten Client Notes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Eliminate Handwritten Client Notes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98-revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 10:21:02
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 10:21:02
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 18:21:02
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 18:21:02
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/98-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/98-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 100
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 100
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 10:55:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 10:55:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 18:55:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 18:55:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I have a client who is a painfully slow hunt and peck typist. And his handwriting isn't any better. Yet he is a clear thinker and speaker. Let me share how he eliminated over half of his typing.
How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Miscommunications with staff have been reduced which saves them time and reduces frustration. Remember that helping staff be more productive frees up their time for marketing activities as well.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
You should also take a look at Jott Assistant found at http://jott.com/jott/jott-assistant-signup.html . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you link Jott Assistant directly to Outlook and your Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I have a client who is a painfully slow hunt and peck typist. And his handwriting isn't any better. Yet he is a clear thinker and speaker. Let me share how he eliminated over half of his typing.
How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Miscommunications with staff have been reduced which saves them time and reduces frustration. Remember that helping staff be more productive frees up their time for marketing activities as well.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
You should also take a look at Jott Assistant found at http://jott.com/jott/jott-assistant-signup.html . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you link Jott Assistant directly to Outlook and your Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 10:55:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 10:55:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 18:55:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 18:55:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/98-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/98-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 101
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 101
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 10:55:14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 10:55:14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 18:55:14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 18:55:14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I have a client who is a painfully slow hunt and peck typist. And his handwriting isn't any better. Yet he is a clear thinker and speaker. Let me share how he eliminated over half of his typing.
How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Miscommunications with staff have been reduced which saves them time and reduces frustration. Remember that helping staff be more productive frees up their time for marketing activities as well.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
You should also take a look at Jott Assistant found at http://jott.com/jott/jott-assistant-signup.html . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you link Jott Assistant directly to Outlook and your Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I have a client who is a painfully slow hunt and peck typist. And his handwriting isn't any better. Yet he is a clear thinker and speaker. Let me share how he eliminated over half of his typing.
How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Miscommunications with staff have been reduced which saves them time and reduces frustration. Remember that helping staff be more productive frees up their time for marketing activities as well.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
You should also take a look at Jott Assistant found at http://jott.com/jott/jott-assistant-signup.html . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you link Jott Assistant directly to Outlook and your Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 10:55:14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 10:55:14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 18:55:14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 18:55:14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/98-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/98-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 102
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 102
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 10:57:08
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 10:57:08
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 18:57:08
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 18:57:08
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I have a client who is a painfully slow hunt and peck typist. And his handwriting isn't any better. Yet he is a clear thinker and speaker. Let me share how he eliminated over half of his typing.
How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Miscommunications with staff have been reduced which saves them time and reduces frustration. Remember that helping staff be more productive frees up their time for marketing activities as well.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
You should also take a look at Jott Assistant found at http://jott.com/jott/jott-assistant-signup.html . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you link Jott Assistant directly to Outlook and your Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I have a client who is a painfully slow hunt and peck typist. And his handwriting isn't any better. Yet he is a clear thinker and speaker. Let me share how he eliminated over half of his typing.
How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Miscommunications with staff have been reduced which saves them time and reduces frustration. Remember that helping staff be more productive frees up their time for marketing activities as well.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
You should also take a look at Jott Assistant found at http://jott.com/jott/jott-assistant-signup.html . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you link Jott Assistant directly to Outlook and your Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 10:57:08
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 10:57:08
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 18:57:08
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 18:57:08
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/98-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/98-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 105
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 105
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:07:46
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:07:46
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:07:46
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:07:46
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I have a client who is a painfully slow hunt and peck typist. And his handwriting isn't any better. Yet he is a clear thinker and speaker. Let me share how he eliminated over half of his typing.
How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I have a client who is a painfully slow hunt and peck typist. And his handwriting isn't any better. Yet he is a clear thinker and speaker. Let me share how he eliminated over half of his typing.
How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:07:46
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:07:46
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:07:46
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:07:46
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/98-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/98-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 103
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 103
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:01:26
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:01:26
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:01:26
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:01:26
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I have a client who is a painfully slow hunt and peck typist. And his handwriting isn't any better. Yet he is a clear thinker and speaker. Let me share how he eliminated over half of his typing.
How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Miscommunications with staff have been reduced which saves them time and reduces frustration. Remember that helping staff be more productive frees up their time for marketing activities as well.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://jott.com/jott/jott-assistant-signup.html . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I have a client who is a painfully slow hunt and peck typist. And his handwriting isn't any better. Yet he is a clear thinker and speaker. Let me share how he eliminated over half of his typing.
How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Miscommunications with staff have been reduced which saves them time and reduces frustration. Remember that helping staff be more productive frees up their time for marketing activities as well.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://jott.com/jott/jott-assistant-signup.html . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:01:26
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:01:26
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:01:26
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:01:26
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/98-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/98-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 104
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 104
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:06:46
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:06:46
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:06:46
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:06:46
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I have a client who is a painfully slow hunt and peck typist. And his handwriting isn't any better. Yet he is a clear thinker and speaker. Let me share how he eliminated over half of his typing.
How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://jott.com/jott/jott-assistant-signup.html . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I have a client who is a painfully slow hunt and peck typist. And his handwriting isn't any better. Yet he is a clear thinker and speaker. Let me share how he eliminated over half of his typing.
How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://jott.com/jott/jott-assistant-signup.html . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:06:46
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:06:46
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:06:46
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:06:46
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/98-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/98-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 106
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 106
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:28:03
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:28:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:28:03
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:28:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor using cellphone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor using cellphone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: advisor_cellphone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: advisor_cellphone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:28:03
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:28:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:28:03
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:28:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/wp-content/uploads/2009/11/Advisor_Cellphone.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/2009/11/Advisor_Cellphone.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: attachment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: attachment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: image/jpeg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: image/jpeg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 107
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 107
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:08:08
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:08:08
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:08:08
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:08:08
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I have a client who is a painfully slow hunt and peck typist. And his handwriting isn't any better. Yet he is a clear thinker and speaker. Let me share how he eliminated over half of his typing.
How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I have a client who is a painfully slow hunt and peck typist. And his handwriting isn't any better. Yet he is a clear thinker and speaker. Let me share how he eliminated over half of his typing.
How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98-revision-8
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98-revision-8
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:08:08
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:08:08
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:08:08
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:08:08
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/98-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/98-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 108
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 108
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:28:39
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:28:39
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:28:39
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:28:39
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I have a client who is a painfully slow hunt and peck typist. And his handwriting isn't any better. Yet he is a clear thinker and speaker. Let me share how he reduced his typing time by over 50%.
How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I have a client who is a painfully slow hunt and peck typist. And his handwriting isn't any better. Yet he is a clear thinker and speaker. Let me share how he reduced his typing time by over 50%.
How do you keep client meeting notes? Do you keep handwritten notes filed in manilla folders? Or do you type your notes into a program like Act! Did you know you can call in your notes and receive an email with your words neatly typed into a Word document? For $4 a day?
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98-revision-9
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98-revision-9
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:28:39
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:28:39
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:28:39
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:28:39
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/98-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/98-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 109
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 109
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:29:45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:29:45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:29:45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:29:45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
What he learned about the client
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98-revision-10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98-revision-10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:29:45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:29:45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:29:45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:29:45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/98-revision-10/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/98-revision-10/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 110
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 110
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:30:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:30:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:30:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:30:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the clients record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98-revision-11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98-revision-11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:30:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:30:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:30:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:30:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/98-revision-11/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/98-revision-11/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 111
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 111
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:43:20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:43:20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:43:20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:43:20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the client's record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the client's record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98-revision-12
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98-revision-12
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:43:20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:43:20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:43:20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:43:20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/98-revision-12/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/98-revision-12/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 112
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 112
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:15:51
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:15:51
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:15:51
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:15:51
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: He uses the CopyTalk mobile scribe service. You can leave a message up to 4 minutes long. So at 250 spoken words per minute, you can record about a thousand words. For comparison sake, this article is 662 words. Maybe you type 50 words per minute. This service would make you 5 times faster...and no hitting the backspace key to fix typos.
You really can "say it" and not "type it" and be a lot more productive. So let's look at just how this works:
1. Eliminate Handwritten Client Notes. Immediately after every client meeting, my client calls a phone number, enters his cell phone number and a PIN. He then has 4 minutes to describe what happened in the meeting:
What recommendations were made, and
What will be handled in the next meeting.
He hits the # key and it's ready for another message. Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the client's record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. Client letter creation. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Task Delegation. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. Radio Scripts. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts . Get the first draft done quickly when you're away from your computer. Then clean it up when you get back and send it out.
6. Calendar appointments . This helps keep your calendar up to date so your assistant doesn't double book you.
7. Tasks . You just call your number, leave your task, and it appears in your Outlook Task List. One less thing to remember to do.
Jott allows just 30 seconds per message so you need to speak quickly and to the point. We all should develop this habit.
You can try it for free for 7 days and see if it works for you. It really depends how much you're away from your office (i.e. your PC.)
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: He uses the CopyTalk mobile scribe service. You can leave a message up to 4 minutes long. So at 250 spoken words per minute, you can record about a thousand words. For comparison sake, this article is 662 words. Maybe you type 50 words per minute. This service would make you 5 times faster...and no hitting the backspace key to fix typos.
You really can "say it" and not "type it" and be a lot more productive. So let's look at just how this works:
1. Eliminate Handwritten Client Notes. Immediately after every client meeting, my client calls a phone number, enters his cell phone number and a PIN. He then has 4 minutes to describe what happened in the meeting:
What recommendations were made, and
What will be handled in the next meeting.
He hits the # key and it's ready for another message. Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the client's record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. Client letter creation. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Task Delegation. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. Radio Scripts. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts . Get the first draft done quickly when you're away from your computer. Then clean it up when you get back and send it out.
6. Calendar appointments . This helps keep your calendar up to date so your assistant doesn't double book you.
7. Tasks . You just call your number, leave your task, and it appears in your Outlook Task List. One less thing to remember to do.
Jott allows just 30 seconds per message so you need to speak quickly and to the point. We all should develop this habit.
You can try it for free for 7 days and see if it works for you. It really depends how much you're away from your office (i.e. your PC.)
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98-autosave
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98-autosave
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:15:51
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:15:51
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:15:51
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:15:51
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/98-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/98-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 113
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 113
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:45:13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:45:13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:45:13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:45:13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the client's record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the client's record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98-revision-13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98-revision-13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:45:13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:45:13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:45:13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:45:13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/98-revision-13/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/98-revision-13/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 114
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 114
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:14:11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:14:11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:14:11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:14:11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:14:11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:14:11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:14:11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:14:11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/93-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 115
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 115
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:16:14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:16:14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:16:14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:16:14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:16:14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:16:14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:16:14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:16:14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/93-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 116
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 116
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:16:21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:16:21
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:16:21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:16:21
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:16:21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:16:21
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:16:21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:16:21
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/93-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 117
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 117
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:16:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:16:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:16:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:16:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-8
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-8
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:16:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:16:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:16:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:16:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/93-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 118
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 118
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:17:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:17:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:17:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:17:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-9
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-9
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:17:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:17:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:17:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:17:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/93-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 119
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 119
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:17:43
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:17:43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:17:43
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:17:43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:17:43
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:17:43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:17:43
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:17:43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/93-revision-10/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-10/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 120
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 120
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:17:48
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:17:48
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:17:48
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:17:48
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:17:48
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:17:48
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:17:48
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:17:48
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/93-revision-11/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-11/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 123
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 123
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:21:19
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:21:19
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:21:19
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:21:19
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: richard @ AdvisorMarketingSuccess.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: richard @ AdvisorMarketingSuccess.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:21:19
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:21:19
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:21:19
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:21:19
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/93-revision-13/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-13/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 121
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 121
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 13:49:13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 13:49:13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 21:49:13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 21:49:13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: [table id=1 /]
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: [table id=1 /]
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-autosave
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-autosave
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 13:49:13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 13:49:13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 21:49:13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 21:49:13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/93-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 474
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 474
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-02 17:37:12
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-02 17:37:12
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-03 01:37:12
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-03 01:37:12
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: richard @ AdvisorMarketingSuccess.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: richard @ AdvisorMarketingSuccess.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-02 17:37:12
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-02 17:37:12
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-03 01:37:12
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-03 01:37:12
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/93-revision-20/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-20/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 473
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 473
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 12:09:51
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 12:09:51
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 20:09:51
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 20:09:51
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: bullet_green_go
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: bullet_green_go
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: bullet_green_go
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: bullet_green_go
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 12:09:51
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 12:09:51
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 20:09:51
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 20:09:51
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/bullet_green_go.gif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/bullet_green_go.gif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: attachment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: attachment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: image/gif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: image/gif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 122
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:18:01
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: info@richardemmonsconsulting.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-12
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-12
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:18:01
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/93-revision-12/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-12/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 124
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 124
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:23:06
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 13:23:06
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:23:06
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:23:06
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: richard @ AdvisorMarketingSuccess.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: richard @ AdvisorMarketingSuccess.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-14
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:23:06
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/93-revision-14/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-14/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 125
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 125
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-19 21:29:00
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-19 21:29:00
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-20 04:29:00
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-20 04:29:00
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: [caption id="attachment_16" align="alignright" width="116" caption="Seminar-in-a-Box"]long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: [caption id="attachment_16" align="alignright" width="116" caption="Seminar-in-a-Box"]long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Seminars
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Seminars
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2-revision-4
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/2-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/2-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 126
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 126
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:25:49
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: [caption id="attachment_16" align="alignright" width="116" caption="Seminar-in-a-Box"]long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: [caption id="attachment_16" align="alignright" width="116" caption="Seminar-in-a-Box"]long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Seminars
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Seminars
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/2-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/2-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:26:48
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:26:48
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:26:48
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: [caption id="attachment_16" align="alignright" width="116" caption="Seminar-in-a-Box"]long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: [caption id="attachment_16" align="alignright" width="116" caption="Seminar-in-a-Box"]long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Seminars
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Seminars
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2-revision-6
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/2-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/2-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:32:29
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:32:29
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: [caption id="attachment_16" align="alignright" width="116" caption="Seminar-in-a-Box"]long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: [caption id="attachment_16" align="alignright" width="116" caption="Seminar-in-a-Box"]long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Seminars
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Seminars
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:32:29
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 21:32:29
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/2-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/2-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 129
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-04 09:40:58
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-04 09:40:58
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-04 17:40:58
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: DollarSign3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: DollarSign3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: dollarsign3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: dollarsign3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-04 09:40:58
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-04 17:40:58
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/wp-content/uploads/2009/11/DollarSign3.ico
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/2009/11/DollarSign3.ico
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: attachment
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: image/x-icon
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 130
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:46:55
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:46:55
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the client's record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
What recommendations were made, and
What will be handled in the next meeting.
Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the client's record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98-revision-14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98-revision-14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 11:46:55
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 11:46:55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 19:46:55
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-02 19:46:55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/98-revision-14/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/98-revision-14/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 131
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 131
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-04 10:30:55
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-04 10:30:55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-04 18:30:55
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-04 18:30:55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: He uses the CopyTalk mobile scribe service. You can leave a message up to 4 minutes long. So at 250 spoken words per minute, you can record about a thousand words. For comparison sake, this article is 662 words. Maybe you type 50 words per minute. This service would make you 5 times faster...and no hitting the backspace key to fix typos.
You really can "say it" and not "type it" and be a lot more productive. So let's look at just how this works:
1. Eliminate Handwritten Client Notes. Immediately after every client meeting, my client calls a phone number, enters his cell phone number and a PIN. He then has 4 minutes to describe what happened in the meeting:
What recommendations were made, and
What will be handled in the next meeting.
He hits the # key and it's ready for another message. Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the client's record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: He uses the CopyTalk mobile scribe service. You can leave a message up to 4 minutes long. So at 250 spoken words per minute, you can record about a thousand words. For comparison sake, this article is 662 words. Maybe you type 50 words per minute. This service would make you 5 times faster...and no hitting the backspace key to fix typos.
You really can "say it" and not "type it" and be a lot more productive. So let's look at just how this works:
1. Eliminate Handwritten Client Notes. Immediately after every client meeting, my client calls a phone number, enters his cell phone number and a PIN. He then has 4 minutes to describe what happened in the meeting:
What recommendations were made, and
What will be handled in the next meeting.
He hits the # key and it's ready for another message. Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the client's record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts,
6. Calendar appointments, and
7. Tasks.
30 seconds allows just 125 words per message which is not very much for describing an hour long meeting. However, you might like calling in appointments and tasks and drafting brief follow-up emails via cell phone. You can try it for free for 7 days and see if it works for you.
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98-revision-15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98-revision-15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-04 10:30:55
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-04 10:30:55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-04 18:30:55
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-04 18:30:55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 98
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/98-revision-15/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/98-revision-15/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 132
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 132
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-27 17:17:03
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-27 17:17:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-28 00:17:03
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-28 00:17:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Click here to find out more about MetroFax. Click here to find out more about MetroFax. Click here to find out more about MetroFax Click here to find out more about MetroFax Click here to find out more about MetroFax Click here to find out more about MetroFax Click here to find out more about MetroFax. Click here to find out more about MetroFax. Click here to find out more about MetroFax. Click here to find out more about MetroFax. Click here to find out more about MetroFax. Click here to find out more about MetroFax. Click here to find out more about MetroFax. Click here to find out more about MetroFax. Click here to find out more about MetroFax. Click here to find out more about MetroFax. Click here to find out more about MetroFax. Click here to find out more about MetroFax. “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here .
Go Paperless
Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here .
Go Paperless
Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Finding More Time for Marketing - Part 3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Finding More Time for Marketing - Part 3
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/?p=154
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=154
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/wp-content/uploads/2009/11/Paper-Stack.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/2009/11/Paper-Stack.jpg
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here: http://www.300financial.com/technology/index.html
Go Paperless
[paper shuffle picture] Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here: http://www.300financial.com/technology/index.html
Go Paperless
[paper shuffle picture] Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Finding More Time for Marketing - Part 3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Finding More Time for Marketing - Part 3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/154-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/154-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-04 23:06:33
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here: http://www.300financial.com/technology/index.html
Go Paperless
[paper shuffle picture] Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here: http://www.300financial.com/technology/index.html
Go Paperless
[paper shuffle picture] Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Finding More Time for Marketing - Part 3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Finding More Time for Marketing - Part 3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/154-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/154-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here: http://www.300financial.com/technology/index.html
Go Paperless
[paper shuffle picture] Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here: http://www.300financial.com/technology/index.html
Go Paperless
[paper shuffle picture] Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Finding More Time for Marketing - Part 3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Finding More Time for Marketing - Part 3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/154-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/154-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here .
Go Paperless
Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here .
Go Paperless
Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Finding More Time for Marketing - Part 3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Finding More Time for Marketing - Part 3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/154-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/154-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The One Page Business Plan" by Jim Hogan
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The One Page Business Plan" by Jim Hogan
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-10-27 17:06:33
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-10-27 17:06:33
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://AdvisorMarketingSuccess.com/6-revision-10/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/6-revision-10/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-04 23:09:18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-04 23:09:18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here .
Go Paperless
Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here .
Go Paperless
Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Finding More Time for Marketing - Part 3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Finding More Time for Marketing - Part 3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 154-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 154-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-04 15:09:18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-04 15:09:18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-04 23:09:18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-04 23:09:18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://66.147.244.168/~askricha/mymarketingvp/154-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://66.147.244.168/~askricha/mymarketingvp/154-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 162
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 162
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-20 20:34:21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-20 20:34:21
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-21 04:34:21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-21 04:34:21
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here .
Go Paperless
Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here .
Go Paperless
Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Finding More Time for Marketing - Part 3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Finding More Time for Marketing - Part 3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 154-autosave
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 154-autosave
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-20 20:34:21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-20 20:34:21
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-21 04:34:21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-21 04:34:21
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://66.147.244.168/~askricha/mymarketingvp/154-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://66.147.244.168/~askricha/mymarketingvp/154-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 163
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 163
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-20 20:33:18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-20 20:33:18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-21 04:33:18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-21 04:33:18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here .
Go Paperless
Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here .
Go Paperless
Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Finding More Time for Marketing - Part 3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Finding More Time for Marketing - Part 3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 154-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 154-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-20 20:33:18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-20 20:33:18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-21 04:33:18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-21 04:33:18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 154
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://66.147.244.168/~askricha/mymarketingvp/154-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://66.147.244.168/~askricha/mymarketingvp/154-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 164
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 164
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-04 14:54:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-04 14:54:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-04 22:54:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-04 22:54:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I got my first laptop computer back in 1994. I’d didn’t get it without a fight.
I’d previously convinced the president that the salesmen needed laptops. Now I wanted one. Joe was adamant that I didn’t need one and they cost way too much. So I kept pushing....
Joe relented only after I told him not to get me a laptop unless he wanted me to work on company business at home, on airplanes, and in hotel rooms. He said, “Okay, okay already. Now get out of my office!”
He uses the CopyTalk mobile scribe service. You can leave a message up to 4 minutes long. So at 250 spoken words per minute, you can record about a thousand words. For comparison sake, this article is 662 words. Maybe you type 50 words per minute. This service would make you 5 times faster...and no hitting the backspace key to fix typos.
You really can "say it" and not "type it" and be a lot more productive. So let's look at just how this works:
1. Eliminate Handwritten Client Notes. Immediately after every client meeting, my client calls a phone number, enters his cell phone number and a PIN. He then has 4 minutes to describe what happened in the meeting:
What recommendations were made, and
What will be handled in the next meeting.
He hits the # key and it's ready for another message. Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the client's record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. Client letter creation. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Task Delegation. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. Radio Scripts. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts . Get the first draft done quickly when you're away from your computer. Then clean it up when you get back and send it out.
6. Calendar appointments . This helps keep your calendar up to date so your assistant doesn't double book you.
7. Tasks . You just call your number, leave your task, and it appears in your Outlook Task List. One less thing to remember to do.
Jott allows just 30 seconds per message so you need to speak quickly and to the point. We all should develop this habit.
You can try it for free for 7 days and see if it works for you. It really depends how much you're away from your office (i.e. your PC.)
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: He uses the CopyTalk mobile scribe service. You can leave a message up to 4 minutes long. So at 250 spoken words per minute, you can record about a thousand words. For comparison sake, this article is 662 words. Maybe you type 50 words per minute. This service would make you 5 times faster...and no hitting the backspace key to fix typos.
You really can "say it" and not "type it" and be a lot more productive. So let's look at just how this works:
1. Eliminate Handwritten Client Notes. Immediately after every client meeting, my client calls a phone number, enters his cell phone number and a PIN. He then has 4 minutes to describe what happened in the meeting:
What recommendations were made, and
What will be handled in the next meeting.
He hits the # key and it's ready for another message. Within 2 hours he gets an email with his spoken words typed (by a human being) as a Word attachment. He attaches it to the client's record in Act! and he is done. It saves an amazing amount of time and allows him to provide better service to clients. They think he has a prodigious memory because he recalls so much detail from the last meeting!
Now that you understand how the service eliminates the need for handwritten client notes, let me give you 3 other ways he uses this service.
2. Client letter creation. He drafts client letters by calling in and forwarding the email to his assistant. She just copies the message into the letterhead template and prints it for his signature.
3. Task Delegation. Instead of telling his assistant what he wants done, he delegates work with a detailed written description of what he wants done. And in much less time because he doesn't need to slow down and wait for her to scribble down some notes.
4. Radio Scripts. He creates radio program scripts by practicing into CopyTalk. The printed "transcript" gives him something to reference in his own words.
Communication snafus with staff have been reduced saving them time and reducing frustration. Remember that helping your staff be more productive frees up their time for marketing activities as well. And handling more clients.
Click here and learn more about “Copytalk” services. Mention your broker/dealer and clearinghouse and you should get a discount off the monthly cost of $79.95.
http://www.jott.com/ . Jott offers more and less than CopyTalk.
For $12.95 per month you can do an unlimited amount of 30 second voice to text conversions. 30 seconds means shorter messages, yet you can link Jott Assistant directly to Outlook, iPhone and Blackberry. Wherever you are, just call Jott and dictate....
5. Email drafts . Get the first draft done quickly when you're away from your computer. Then clean it up when you get back and send it out.
6. Calendar appointments . This helps keep your calendar up to date so your assistant doesn't double book you.
7. Tasks . You just call your number, leave your task, and it appears in your Outlook Task List. One less thing to remember to do.
Jott allows just 30 seconds per message so you need to speak quickly and to the point. We all should develop this habit.
You can try it for free for 7 days and see if it works for you. It really depends how much you're away from your office (i.e. your PC.)
Like everything else, you need to weigh the benefits of these services against the cost. The advisor who told me about CopyTalk would never give it up...unless he found a cheaper alternative which does the same thing.
Give these services a try and let us know work for you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 7 Ways to "Say it" and Not "Type it"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 7 Ways to "Say it" and Not "Type it"
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://66.147.244.168/~askricha/mymarketingvp/98-revision-16/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://66.147.244.168/~askricha/mymarketingvp/98-revision-16/
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Marketing attracts and gains new clients
Operations takes care of clients, and
Admin includes back office work such as office management and compliance.
Based on conversations with many financial advisors, the general consensus is that “marketing is what I need to do, planning is what I like to do, and admin is what I hate to do but must do to keep out of trouble.”
So when time is tight which area gets neglected? Yes, marketing.
Now take a look at your calendar and see how you spend your time in marketing, operations and admin. Does your calendar only show time spent with prospects and clients?
In this case, you need to start tracking time spent on marketing and admin. You might be shocked at what you see. Or don’t see.
Just don’t be discouraged. Your business might be doing okay and you’re spending only a couple hours per week on marketing. Imagine if you started spending 30-40% of your time on marketing?
You’ll find it helpful to separate marketing into its two main functions: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink."
Marketing is all about attracting new prospects as well as getting your existing clients to buy more and more often. You do this with your website, printed and e-mail newsletters, public seminars, advertising and all other ways of getting the word out. This also includes making it easy for your clients to refer their friends and relatives.
Sales is persuading that prospect in your office or conference room to place their trust (and money) with you.
Sales & marketing efforts work together to grow your practice. For example, any advisor without any marketing materials, advertising, or website has a much tougher job convincing the prospect in his office to become a client. Why? Because targeted marketing efforts attract more qualified prospects while screening out others. And marketing materials help tell your story well before your prospect walks in the door.
So your action item is to track your time in Sales/marketing, operations, and admin. In my next article, I’ll take a closer look at admin.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Marketing attracts and gains new clients
Operations takes care of clients, and
Admin includes back office work such as office management and compliance.
Based on conversations with many financial advisors, the general consensus is that “marketing is what I need to do, planning is what I like to do, and admin is what I hate to do but must do to keep out of trouble.”
So when time is tight which area gets neglected? Yes, marketing.
Now take a look at your calendar and see how you spend your time in marketing, operations and admin. Does your calendar only show time spent with prospects and clients?
In this case, you need to start tracking time spent on marketing and admin. You might be shocked at what you see. Or don’t see.
Just don’t be discouraged. Your business might be doing okay and you’re spending only a couple hours per week on marketing. Imagine if you started spending 30-40% of your time on marketing?
You’ll find it helpful to separate marketing into its two main functions: sales and marketing. What's the difference?
Think of marketing as "leading the horse to water" and sales as "making him drink."
Marketing is all about attracting new prospects as well as getting your existing clients to buy more and more often. You do this with your website, printed and e-mail newsletters, public seminars, advertising and all other ways of getting the word out. This also includes making it easy for your clients to refer their friends and relatives.
Sales is persuading that prospect in your office or conference room to place their trust (and money) with you.
Sales & marketing efforts work together to grow your practice. For example, any advisor without any marketing materials, advertising, or website has a much tougher job convincing the prospect in his office to become a client. Why? Because targeted marketing efforts attract more qualified prospects while screening out others. And marketing materials help tell your story well before your prospect walks in the door.
So your action item is to track your time in Sales/marketing, operations, and admin. In my next article, I’ll take a closer look at admin.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Finding More Time for Marketing - Part 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Finding More Time for Marketing - Part 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to grow your practice by increasing your focus on marketing activities. You know this will take time. Yet you feel overloaded these days already. Where can you find some more time?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to grow your practice by increasing your focus on marketing activities. You know this will take time. Yet you feel overloaded these days already. Where can you find some more time?
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The One Page Business Plan" by Jim Hogan
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The One Page Business Plan" by Jim Hogan
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy seniors magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town.
Creating a high glitz, beautiful, Flash-based website which gets no traffic and is instantly static
Almost any unproven, untested marketing activity done in haste qualifies as a magic bullet marketing activity. Or anything requiring "just a few minutes of your time and your major credit card...."
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: no magic bullet investments that give high returns quickly with low risk . The same thing is true in the marketing world. With one important difference.
Making such bold promises as a financial advisor can land you in an arbitration hearing. Making bold promises as an ad rep helps land the account and make the sale. Ever hear of a newspaper giving a refund when no one attends your open house? Me neither.
Magic Bullet Marketing activities can include:
Running an untested full-page ad in a new glossy seniors magazine
Getting a larger yellow page ad. Or a yellow page ad in the new yellow pages in town.
Creating a high glitz, beautiful, Flash-based website which gets no traffic and is instantly static
Almost any unproven, untested marketing activity done in haste qualifies as a magic bullet marketing activity. Or anything requiring "just a few minutes of your time and your major credit card...."
So the moral to the story is that expanding your practice takes time and money.
You can save time by hiring someone to help you get it done. Or you can invest your time and do it yourself when money's tight.
I'd love to hear your comments on 'magic bullet marketing' efforts. Did you hit your target? Or fire a blank?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Magic Bullet Marketing?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You're an independent financial advisor. You want to expand your practice. Should you get going today and "just do it"?
For most advisors, the answer is "No." Why is this?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://66.147.244.168/~askricha/mymarketingvp/28-revision-15/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://66.147.244.168/~askricha/mymarketingvp/28-revision-15/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor."
Be sure to give one to your friend at your high school reunion.
But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
"I am a certified financial planner." Or "I am a financial advisor."
If he was curious to learn more, you might describe your approach to financial planning, estate planning, or risk analysis. You might talk about the financial markets, indexed annuities, or CD rates. You might mention the value of annual reviews and portfolio re-balancing.
This answer focuses on the main operational focus of your firm. It touches on your education, experience and what's on your business card.
Yet in a big way you'd be wrong!
While you might really rather focus on planning all day long and every day of the week, the reality is that you need to see yourself as a "Marketeer."
Just what is a "Marketeer"?
A "Marketeer" focuses on defining, reaching and serving his target market. This is job #1.
A Marketeer sees every aspect of his business as a way to enhance (or detract) from defining, reach and serving his targeted market. What does this look like?
Whenever he meets someone new, he wonders how he might help him reach his financial goals.
When the telephone rings, it's not a bother but a chance to speak with someone who discovered his website and wants to learn more.
Every client interaction is an opportunity to earn (or lose) future referrals.
Marketing, like breathing, is done all the time...not just when the appointment book is getting slim.
Hiring a new receptionist is a BIG deal.
Think the last bullet is a joke? Let's take a closer look at this one.
If you only get one chance to make a good first impression, your receptionist will likely be the person to make it.
Will your clients care if she knows the ins and outs of six major phone systems? Or types 100 words a minute? Or has a degree in business from your local community college?
You learn more about your clients lives and what's driving them that day.
You gain a bit of slack if you're behind schedule and you can't start the meeting on time.
People like doing business with people they like and your receptionist has made YOU more likeable.
Of course knowing your phone system inside and out can help your receptionist better connect you to your clients. And typing 100 words per minute can keep your files up to date. And a business degree might bring new ideas into your practice and enhance customer service.
Yet do these things really matter if your receptionist greets visitors with a frown for a split second before the smile kicks in? Or makes callers wish you had a direct dial number so they didn't need to "bother" the receptionist when they had a question?
In short, your marketing mindset causes you to hire the right person for every job, train them to know what's really important (treating people kindly and with respect), and the all-importance of supporting the marketing vision of the firm.
When you develop a marketing mindset, you'll view every aspect of your firm from the eyes of an A-List client. You'll see many areas to improve:
Is your reception area clean and inviting? Or does it look like a receiving dock?
What do your clients see as they walk from your reception area to your office or conference room? A kitchen with a sink full of dirty dishes?
Does your desk make you appear disorganized, overwhelmed, and out of control?
Does your website look the same as when you got it back in 2002? Do clients or prospects have any need to come back a 2nd time?
Do you use a Yahoo email account to correspond with clients?
Do your clients only hear from you when it's time for their annual review? Or worse, do you only speak with them when they call you with a problem?
Do you spend time doing administrative tasks which could be delegated or outsourced?
Do you use your planning abilities to create and follow a Marketing Calendar?
I think you get the idea. A marketing mindset, once developed, can liberate you from the administrivia which drains time and energy and keeps you from growing your practice and turning your clients into raving fans.
Yes, your business card should say "Certified Financial Planner Professional" or "Financial Consultant" or "Financial Advisor."
Be sure to give one to your friend at your high school reunion.
But tell him, you "help baby boomers plan for and enjoy a prosperous retirement" or however you benefit your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Developing Your "Marketing Mindset"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Developing Your "Marketing Mindset"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you ran into an old buddy at your high school reunion, you'd probably be asked, "So what do you do?"
As an independent financial advisor, you have several ways to answer the question. What comes to mind first?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://66.147.244.168/~askricha/mymarketingvp/18-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://66.147.244.168/~askricha/mymarketingvp/18-revision-9/
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-04 13:28:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-04 21:28:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-04 21:28:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Click here to find out more about MetroFax. Click here to find out more about MetroFax. Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery [Richard: This Wall Street Journal article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
Source: http://online.wsj.com/article/SB124604151653862301.html#
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery [Richard: This Wall Street Journal article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
Source: http://online.wsj.com/article/SB124604151653862301.html#
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 'Evil' Madoff Gets 150 Years in Epic Fraud
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 'Evil' Madoff Gets 150 Years in Epic Fraud
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery
[Richard: This article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Victims Cheer Tough Sentence; Judge Slams Financier for Stonewalling Investigators; True Size of Losses Still a Mystery
[Richard: This article wonders whether wealthy families will flee money managers and just go to an index fund. Or if it will just blow over and be forgotten in 10 years. One reaction we can count on: regulatory compliance will get tightened once again.]
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://66.147.244.168/~askricha/mymarketingvp/65-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://66.147.244.168/~askricha/mymarketingvp/65-revision-5/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Well, it appears as if you entered in an invalid URL. Please fix the URL you entered or try using the search functionality on our website.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Well, it appears as if you entered in an invalid URL. Please fix the URL you entered or try using the search functionality on our website.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Whoops! 404 Error!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Whoops! 404 Error!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: closed
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: closed
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: closed
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/whoops-404-error/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/whoops-404-error/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: richard @ AdvisorMarketingSuccess.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: richard @ AdvisorMarketingSuccess.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-15
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/93-revision-15/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-15/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-21 22:03:20
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-22 06:03:20
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: richard @ AdvisorMarketingSuccess.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: richard @ AdvisorMarketingSuccess.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-22 06:03:20
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/93-revision-16/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-16/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-27 06:41:25
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: gradient
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/2009/11/gradient.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/2009/11/gradient.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: attachment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: attachment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: image/jpeg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: image/jpeg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 180
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-27 06:41:26
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: header-bg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: header-bg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: header-bg
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/2009/11/header-bg.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/2009/11/header-bg.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: image/jpeg
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: nav
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: nav
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: nav
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: nav
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/2009/11/nav.png
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/2009/11/nav.png
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: attachment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: attachment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: image/png
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 182
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: nav2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: nav2
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: nav2
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/2009/11/nav2.png
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/2009/11/nav2.png
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: attachment
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: nav3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: nav3
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: nav3
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/2009/11/nav3.png
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/2009/11/nav3.png
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: attachment
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: image/png
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 184
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-21 22:04:05
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-22 06:04:05
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: richard @ AdvisorMarketingSuccess.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: richard @ AdvisorMarketingSuccess.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-17
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/93-revision-17/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-17/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-27 06:48:12
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-27 14:48:12
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-11-27 14:48:12
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: richard @ AdvisorMarketingSuccess.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: richard @ AdvisorMarketingSuccess.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 93-revision-18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 93-revision-18
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/93-revision-18/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-18/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-02 17:35:29
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-03 01:35:29
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: richard @ AdvisorMarketingSuccess.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Richard Emmons
Consultant | Copywriter | Seminars
1867 Williams Hwy, Suite 250, Grants Pass, Oregon 97527
Tel: 541.244.2654 Fax: 541.244.2651
E-Mail: richard @ AdvisorMarketingSuccess.com
Skype: richard_emmons
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Contact
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Contact
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/93-revision-19/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/93-revision-19/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 13:32:51
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-02 21:32:51
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: [caption id="attachment_16" align="alignright" width="116" caption="Seminar-in-a-Box"]long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: [caption id="attachment_16" align="alignright" width="116" caption="Seminar-in-a-Box"]long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Seminars
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Seminars
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/2-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/2-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-11-20 21:28:16
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here .
Go Paperless
Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: “Finding More Time for Marketing - Part 2,” we looked at ways to cut your time spent on administrative activities. Now we’ll look at a few ways to free up time for marketing by cutting down time you spend on “Operations” which you know better as production activities.
Becoming more efficient on the production side does two things for you:
You free up time to spend on marketing related activities
You free up time to handle more clients.
#2 is key because you (and your staff) must handle more clients in the same 8-hour day. Otherwise getting more clients robs time from marketing activities. When you neglect marketing, the well runs dry and you run out of prospects. Not good. Not fun either.
Whether your practice is large or just getting started, technology correctly used can quickly improve your operational efficiency. One hour saved per day means over 250 additional hours over a given year. Time better spent getting and serving clients.
Some time ago, I had a client with decades of experience, excellent credentials, and happy clients in more than a dozen states. Yet he was a technology newbie to the extreme.
When I emailed him some questions, his assistant would print out the email for him. He would handwrite his comments and give it back to his assistant. She would fax it to my office. My assistant would call me to let me know I had a fax. When I was away from my office, I’d have her scan it in and email it to me. Incredible!
Thankfully, he got a new computer and some training, and soon replied to my emails with another email. And he freed up his assistant for more productive tasks.
Yet don’t fall into the trap of adding technology just for technology’s sake.
A client of mine is a member of the 300 Financial Group which takes a “Goldie Locks” view of technology. Not too much technology, not too little...just the right amount. In 300 Financial’s view, technology should:
Make you more money
Save you time
Provide the information that helps clients make better and quicker decisions
You can learn more about 300 Financial’s technology approach by clicking here .
Go Paperless
Going paperless helps you in many ways: less office space needed, more productive staff, and less time preparing for client meetings.
One advisor I know went paperless from the beginning of his practice and has instant access to all client communications. And very few file cabinets in his office.
I know another advisor in the same town which has a huge room filled with file cabinets. And support staff which spends many hours every day keeping track of the paperwork and getting everything filed properly.
Obviously newly established practices have the advantage here: no file cabinets holding decades of client records. Yet practices with tens of millions of assets under management gain the most from office automation because your support staff can become far more productive.
Depending on your situation, this may be an incredibly daunting task. Yet the longest journey is begun with the first step so read these articles on ways to get started.
No More Fax Machine
7 Ways to “Say it” and not “Type it”
Autopilot Computer Backup
Track your time and see where all the time goes. Decide how much time you need to devote to marketing your practice each week. Then get started on reducing time spent on administration and advising. You’ll free up time for marketing your practice and reap the rewards later.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Finding More Time for Marketing - Part 3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Finding More Time for Marketing - Part 3
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/154-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/154-revision-7/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-14 23:52:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-14 23:52:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-15 07:52:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-15 07:52:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.tuaw.com/2009/12/08/dragon-dictation-comes-to-the-iphone-wow/
Here's a quote from this article which speaks to the security of the transcribed messages:
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://www.tuaw.com/2009/12/08/dragon-dictation-comes-to-the-iphone-wow/
Here's a quote from this article which speaks to the security of the transcribed messages:
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Productivity Tool: Dragon Dictate for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Productivity Tool: Dragon Dictate for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: advisor-productivity-tool-dragon-iphone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: advisor-productivity-tool-dragon-iphone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 15:47:15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 15:47:15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 23:47:15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 23:47:15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: post
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 218
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 218
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 17:27:10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 17:27:10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 01:27:10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 01:27:10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I written before about how you can move toward a paperless office by dictating your client meeting notes.
Why write down some chicken scratch manual notes when you can speak for several minutes and get an email of transcribed notes?
One reason has been cost. Some dictation services cost $50 to $80 per month and limit how long you can talk.
Well for all you iPhone users out there, you now have a wonderful option. The Dragon app for your iPhone.
For time being, you can download this app from iTunes and get it for free.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I written before about how you can move toward a paperless office by dictating your client meeting notes.
Why write down some chicken scratch manual notes when you can speak for several minutes and get an email of transcribed notes?
One reason has been cost. Some dictation services cost $50 to $80 per month and limit how long you can talk.
Well for all you iPhone users out there, you now have a wonderful option. The Dragon app for your iPhone.
For time being, you can download this app from iTunes and get it for free.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217-revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 17:27:10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 17:27:10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 01:27:10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 01:27:10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/217-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/217-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 219
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 219
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 17:36:14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 17:36:14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 01:36:14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 01:36:14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Dragon_iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Dragon_iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: dragon_iphone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: dragon_iphone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 17:36:14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 17:36:14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 01:36:14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 01:36:14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/2009/12/Dragon_iPhone.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/2009/12/Dragon_iPhone.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: attachment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: attachment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: image/jpeg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: image/jpeg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 220
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 220
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 17:37:27
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 17:37:27
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 01:37:27
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 01:37:27
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I written before about how you can move toward a paperless office by dictating your client meeting notes.
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I written before about how you can move toward a paperless office by dictating your client meeting notes.
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217-revision-12
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217-revision-12
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:06:11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:06:11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:06:11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:06:11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/217-revision-12/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/217-revision-12/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 231
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 231
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:06:17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:06:17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:06:17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:06:17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I written before about how you can move toward a paperless office by dictating your client meeting notes.
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I written before about how you can move toward a paperless office by dictating your client meeting notes.
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217-revision-13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217-revision-13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:06:17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:06:17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:06:17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:06:17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/217-revision-13/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/217-revision-13/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 232
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 232
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:06:22
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:06:22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:06:22
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:06:22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I written before about how you can move toward a paperless office by dictating your client meeting notes.
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I written before about how you can move toward a paperless office by dictating your client meeting notes.
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217-revision-14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217-revision-14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:06:22
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:06:22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:06:22
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:06:22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/217-revision-14/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/217-revision-14/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 233
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 233
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:06:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:06:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:06:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:06:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I written before about how you can move toward a paperless office by dictating your client meeting notes.
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I written before about how you can move toward a paperless office by dictating your client meeting notes.
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217-revision-15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217-revision-15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:06:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:06:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:06:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:06:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/217-revision-15/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/217-revision-15/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 234
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 234
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:06:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:06:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:06:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:06:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I written before about how you can move toward a paperless office by dictating your client meeting notes.
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I written before about how you can move toward a paperless office by dictating your client meeting notes.
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217-revision-16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217-revision-16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:06:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:06:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:06:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:06:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/217-revision-16/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/217-revision-16/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 235
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 235
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:08:34
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:08:34
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:08:34
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:08:34
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I written before about how you can move toward a paperless office by dictating your client meeting notes.
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I written before about how you can move toward a paperless office by dictating your client meeting notes.
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217-revision-17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217-revision-17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:08:34
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:08:34
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:08:34
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:08:34
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/217-revision-17/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/217-revision-17/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 236
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 236
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:09:32
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:09:32
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:09:32
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:09:32
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: I written before about how you can move toward a paperless office by dictating your client meeting notes.
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: I written before about how you can move toward a paperless office by dictating your client meeting notes.
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217-revision-18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217-revision-18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:09:32
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:09:32
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:09:32
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:09:32
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/217-revision-18/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/217-revision-18/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 237
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 237
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:10:19
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:10:19
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:10:19
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:10:19
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217-revision-19
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217-revision-19
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:10:19
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:10:19
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:10:19
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 07:10:19
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/217-revision-19/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/217-revision-19/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 238
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:13:56
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-16 23:13:56
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217-revision-20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217-revision-20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:13:56
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/217-revision-20/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/217-revision-20/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 239
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 239
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-16 23:30:14
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 07:30:14
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.tuaw.com/2009/12/08/dragon-dictation-comes-to-the-iphone-wow/
Here's a quote from this article which speaks to the security of the transcribed messages:
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://www.tuaw.com/2009/12/08/dragon-dictation-comes-to-the-iphone-wow/
Here's a quote from this article which speaks to the security of the transcribed messages:
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Productivity Tool: Dragon for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217-revision-21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217-revision-21
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/217-revision-21/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/217-revision-21/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 240
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 240
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 16:00:25
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 16:00:25
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-18 00:00:25
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-18 00:00:25
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.tuaw.com/2009/12/08/dragon-dictation-comes-to-the-iphone-wow/
Here's a quote from this article which speaks to the security of the transcribed messages:
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://www.tuaw.com/2009/12/08/dragon-dictation-comes-to-the-iphone-wow/
Here's a quote from this article which speaks to the security of the transcribed messages:
Since your dictation goes out over the internet for processing, I asked Nuance about security. Their reply was as follows:
"Search queries and dictation requests are transcribed by fully automated speech recognition software, without the use of humans. Data is uploaded and collected in order to improve performance for individual users, and to improve the general performance of the system.
All speech recognition requests and associated data are processed in data centers in the U.S. that meet stringent security and privacy standards; these are the same standards that we use for processing private information in other areas of our business."
Of course, I'd have to borrow my daughter's iPhone to try this out myself. If you get it, leave some comments below to tell how it worked out.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Productivity Tool: Dragon Dictate for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Productivity Tool: Dragon Dictate for the iPhone
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 217-autosave
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217-autosave
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 16:00:25
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-18 00:00:25
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 217
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/217-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/217-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 22:54:50
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 22:54:50
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-18 06:54:50
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-18 06:54:50
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: httpv://www.youtube.com/watch?v=HLCrNY_yl-w
Just remember that your TIME is limited and there are only so many hours in a day.
You can give away lots of free products, such as free reports, and use very little time each day. Free info on your website takes ZERO hours per day once it is set up. Dropping a free written reports takes only a few minutes to write out the address and apply a stamp.
However, when you give away your time, you should try to talk to lots of people at the same time. You can do this by hosting community seminars and speaking on radio shows.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: httpv://www.youtube.com/watch?v=HLCrNY_yl-w
Just remember that your TIME is limited and there are only so many hours in a day.
You can give away lots of free products, such as free reports, and use very little time each day. Free info on your website takes ZERO hours per day once it is set up. Dropping a free written reports takes only a few minutes to write out the address and apply a stamp.
However, when you give away your time, you should try to talk to lots of people at the same time. You can do this by hosting community seminars and speaking on radio shows.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success with "Free" Products
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success with "Free" Products
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: advisor-marketing-success-free-products
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: advisor-marketing-success-free-products
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 22:58:54
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-18 06:58:54
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=241
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=241
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: post
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 244
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 244
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-17 22:24:31
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-17 22:24:31
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-18 06:24:31
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, I review Chris Anderson's new book: "Free: The Future of a Radical Price."
Author Chris Anderson makes the case that businesses can often raise profits by giving away quality content. Advisors can atract quality prospects by giving away valuable content to qualified prospects. This can be through free reports, community seminars, and articles.
httpv://www.youtube.com/watch?v=HLCrNY_yl-w
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, I review Chris Anderson's new book: "Free: The Future of a Radical Price."
Author Chris Anderson makes the case that businesses can often raise profits by giving away quality content. Advisors can atract quality prospects by giving away valuable content to qualified prospects. This can be through free reports, community seminars, and articles.
httpv://www.youtube.com/watch?v=HLCrNY_yl-w
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing using "Free" give aways
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing using "Free" give aways
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 241-revision
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 241
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/241-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/241-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Free-Chris-Anderson-300x300
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/2009/12/Free-Chris-Anderson-300x300.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/2009/12/Free-Chris-Anderson-300x300.jpg
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
Business plans traditionally took many hours to prepare, filled thick binders with pages and pages of market data, product and service plans, and financial forecasts. A business plan's chief purpose was to get a bank or investor financing and was soon forgotten. Especially after the five figure consulting fee was paid. Was it used to run the business? You must be joking!
No wonder few businesses, including planning practices, prepare a plan and execute it to reach financial and practice goals. The cost in time, trouble, and money just wasn't worth the perceived benefit.
Jim Horan's series of books entitled, The One Page Business Plan has changed this gloomy picture for over 250,000 businesses since 1994. Now you can create a one page business plan to help define your practice, set goals, and define activities to help you reach your goals. In 2008, he wrote a Financial Services Edition which makes your job even easier.
The book walks you through a series of thought-provoking self-assessments and fill-in-the-blank templates to help you do the following:
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The One Page Business Plan" by Jim Hogan
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The One Page Business Plan" by Jim Hogan
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/6-revision-12/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/6-revision-12/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
Describe the vision for your practice in one compelling sentence.
Define who you are in service of and what you will do for them in 8 words or less.
Define success so that it is measurable, graphable and achievable.
Develop a set of focused strategies that will guide the development of your practice over the next 3 to 5 years.
Define and prioritize the critical practice building projects and programs that must be implemented to execute your strategies.
Does this sound like a lot of work? Well, the book provides lots of examples to borrow from and a proven methodology. You also get a CD with Excel and Word documents to help you through the process. All very helpful.
But can you really do this by yourself? Yes and no. You can certainly do it yourself and by yourself. You'll be miles ahead of where you are now without any business plan at all.
I recommend working with trusted advisors such as your partners, business coach and even your spouse. These "extra eye balls" will help you see your firm where it really is today and keep you from setting unattainable goals.
The value of this book far surpasses it's list price of $34.95. Or its discount price at Amazon.com of $25.21.
Have I used the book? Yes, I created a one-page business plan for my living trust seminar business. That's how I discovered the book because I needed a business plan for an attorney and I needed it fast. I'll use the non-profit edition to help craft a business plan for our local Gospel Rescue Mission on whose board I serve. Another situation where I can't create a lot of extra work for the executive director.
I'll help my marketing consulting clients create one page business plans for their practices before I touch their websites or fix their yellow page ads. Or do anything else.
You won't go wrong with this book. Get it, read it, and put it to use!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The One Page Business Plan" for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The One Page Business Plan" for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "The Cobbler's son has no shoes." ~anonymous
This famous quote speaks about the successful Cobbler makes shoes for everyone in the village except his own children. Sound like anyone you know? Perhaps the CPA files hundreds of tax returns by April 15th but never his own. Or the Gardener who forgets to water his lawn in the middle of summer.
Many advisors prepare retirement plans, estate plans, and business succession plans for others yet never sit down and prepare a business plan for their own practice. Sound like you?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 6-revision-13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 6-revision-13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-18 10:28:32
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-18 10:28:32
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-18 18:28:32
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 6
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/6-revision-13/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/6-revision-13/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Article: Harvard Swaps Are So Toxic Even Summers Won’t Explain
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose. Lesson: Understand your downside risk.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America. $500 million up front and the rest paid over 40 years.
“December 2008 was, by an enormous amount, the worst time in history” to terminate the swaps by borrowing money, said Peter Shapiro, a swap adviser at Swap Financial Group.
This turned out to be the bottom of the market. Oops. "Concerned that its losses might worsen, the school borrowed money to terminate the swaps at the nadir of their value, only to see the market for such agreements begin to recover weeks later."
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Lesson here would be don't invest cash needed for day-to-day expenses.
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included some well-known figures:
Lawrence Summers, former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor
James Rothenberg, his Los Angeles-based company, Capital Group, operates American Funds
Robert Rubin, former U.S. Treasury Secretary and Summers’s previous boss and predecessor at the U.S. Treasury
Robert D. Reischauer, former director of the Congressional Budget Office.
Lesson here is don't be swayed by celebrity endorsements.
Other smaller colleges seem to be learning from Harvard's mistakes:
Harvard’s woes stemmed from misunderstanding its role, said Leon Botstein, president of Bard College in Annandale-on-Hudson, New York.
“We shouldn’t be in the banking business, we should be in the education business,” Botstein said in a telephone interview.
Another lesson is don't depend on regulators to protect investors:
Summers, along with Rubin and Greenspan opposed the U.S. Commodity Futures Trading Commission’s attempt in 1998 to regulate so-called over-the- counter derivatives, which included agreements like interest rate swaps. At the time, Summers was Rubin’s deputy secretary.
Now Summers is leading the Obama administration’s effort to write stricter rules for the derivatives market “to protect the American people,” he said in October at a conference in New York sponsored by The Economist magazine.
Better late than never I guess.
The article pointed out Summers was forced to resign as Harvard's president "after he questioned women’s innate aptitude for math and science." I bet few American housewives would look to forward swaps when the family plans to build a larger home in 4 years.
In fact, I bet most American housewives would question the wisdom of Harvard borrowing money to build buildings when it had $22.6 billion in its endowment. Some 4-year colleges, like Grove City College, don't build any buildings until they've raised the necessary funds and have the money in the bank. Being debt free, Grove City College has tuition less than half of Harvard University. There's gotta be a lesson in there someplace.
A final lesson: People shouldn't invest on the basis of what rich and famous people are doing:
“You can be very big and very rich and very smart and still get things wrong,” Shapiro said.
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Article: Harvard Swaps Are So Toxic Even Summers Won’t Explain
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose. Lesson: Understand your downside risk.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America. $500 million up front and the rest paid over 40 years.
“December 2008 was, by an enormous amount, the worst time in history” to terminate the swaps by borrowing money, said Peter Shapiro, a swap adviser at Swap Financial Group.
This turned out to be the bottom of the market. Oops. "Concerned that its losses might worsen, the school borrowed money to terminate the swaps at the nadir of their value, only to see the market for such agreements begin to recover weeks later."
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Lesson here would be don't invest cash needed for day-to-day expenses.
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included some well-known figures:
Lawrence Summers, former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor
James Rothenberg, his Los Angeles-based company, Capital Group, operates American Funds
Robert Rubin, former U.S. Treasury Secretary and Summers’s previous boss and predecessor at the U.S. Treasury
Robert D. Reischauer, former director of the Congressional Budget Office.
Lesson here is don't be swayed by celebrity endorsements.
Other smaller colleges seem to be learning from Harvard's mistakes:
Harvard’s woes stemmed from misunderstanding its role, said Leon Botstein, president of Bard College in Annandale-on-Hudson, New York.
“We shouldn’t be in the banking business, we should be in the education business,” Botstein said in a telephone interview.
Another lesson is don't depend on regulators to protect investors:
Summers, along with Rubin and Greenspan opposed the U.S. Commodity Futures Trading Commission’s attempt in 1998 to regulate so-called over-the- counter derivatives, which included agreements like interest rate swaps. At the time, Summers was Rubin’s deputy secretary.
Now Summers is leading the Obama administration’s effort to write stricter rules for the derivatives market “to protect the American people,” he said in October at a conference in New York sponsored by The Economist magazine.
Better late than never I guess.
The article pointed out Summers was forced to resign as Harvard's president "after he questioned women’s innate aptitude for math and science." I bet few American housewives would look to forward swaps when the family plans to build a larger home in 4 years.
In fact, I bet most American housewives would question the wisdom of Harvard borrowing money to build buildings when it had $22.6 billion in its endowment. Some 4-year colleges, like Grove City College, don't build any buildings until they've raised the necessary funds and have the money in the bank. Being debt free, Grove City College has tuition less than half of Harvard University. There's gotta be a lesson in there someplace.
A final lesson: People shouldn't invest on the basis of what rich and famous people are doing:
“You can be very big and very rich and very smart and still get things wrong,” Shapiro said.
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Learning From Harvard's Investment Mistakes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Learning From Harvard's Investment Mistakes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=260
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=260
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial advisors can learn a lot about what "not to do" by studying this article on Bloomberg today. Let me summarize things:
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included Lawrence Summers (former Secretary for President Clinton, then Harvard President, now )
Harvard invested in "swaps" to lock in "low interest rates" on a major building project to begin in 4 years.
Harvard Swaps Are So Toxic Even Summers Won’t Explain
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial advisors can learn a lot about what "not to do" by studying this article on Bloomberg today. Let me summarize things:
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included Lawrence Summers (former Secretary for President Clinton, then Harvard President, now )
Harvard invested in "swaps" to lock in "low interest rates" on a major building project to begin in 4 years.
Harvard Swaps Are So Toxic Even Summers Won’t Explain
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Learning From Harvard's Investment Mistakes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Learning From Harvard's Investment Mistakes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/260-revision/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial advisors can learn a lot about what "not to do" by studying this article on Bloomberg today. Let me summarize things:
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included Lawrence Summers (former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor), James Rothenberg (His Los Angeles-based company, Capital Group, operates American Funds, the second-biggest family of stock and bond mutual funds in the U.S.
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing. These investments bets assumed that interest rates would rise.
The Federal Reserve Bank subsequently cut short term rates to .26%.
Harvard Swaps Are So Toxic Even Summers Won’t Explain
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial advisors can learn a lot about what "not to do" by studying this article on Bloomberg today. Let me summarize things:
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included Lawrence Summers (former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor), James Rothenberg (His Los Angeles-based company, Capital Group, operates American Funds, the second-biggest family of stock and bond mutual funds in the U.S.
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing. These investments bets assumed that interest rates would rise.
The Federal Reserve Bank subsequently cut short term rates to .26%.
Harvard Swaps Are So Toxic Even Summers Won’t Explain
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Learning From Harvard's Investment Mistakes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Learning From Harvard's Investment Mistakes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial advisors can learn a lot about what "not to do" by studying this article on Bloomberg today. Let me summarize things:
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included Lawrence Summers (former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor), James Rothenberg (His Los Angeles-based company, Capital Group, operates American Funds , the second-biggest family of stock and bond mutual funds in the U.S.), former U.S. Treasury Secretary Robert Rubin, Summers’s previous boss and predecessor at the U.S. Treasury, and Robert D. Reischauer, former director of the Congressional Budget Office.
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America.
This turned out to be the bottom of the market. Oops.
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Harvard Swaps Are So Toxic Even Summers Won’t Explain
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial advisors can learn a lot about what "not to do" by studying this article on Bloomberg today. Let me summarize things:
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included Lawrence Summers (former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor), James Rothenberg (His Los Angeles-based company, Capital Group, operates American Funds , the second-biggest family of stock and bond mutual funds in the U.S.), former U.S. Treasury Secretary Robert Rubin, Summers’s previous boss and predecessor at the U.S. Treasury, and Robert D. Reischauer, former director of the Congressional Budget Office.
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America.
This turned out to be the bottom of the market. Oops.
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Harvard Swaps Are So Toxic Even Summers Won’t Explain
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Learning From Harvard's Investment Mistakes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Learning From Harvard's Investment Mistakes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial advisors can learn a lot about what "not to do" by studying this article on Bloomberg today. Let me summarize things:
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included Lawrence Summers (former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor), James Rothenberg (His Los Angeles-based company, Capital Group, operates American Funds , the second-biggest family of stock and bond mutual funds in the U.S.), former U.S. Treasury Secretary Robert Rubin, Summers’s previous boss and predecessor at the U.S. Treasury, and Robert D. Reischauer, former director of the Congressional Budget Office.
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America.
This turned out to be the bottom of the market. Oops.
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Harvard Swaps Are So Toxic Even Summers Won’t Explain
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial advisors can learn a lot about what "not to do" by studying this article on Bloomberg today. Let me summarize things:
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included Lawrence Summers (former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor), James Rothenberg (His Los Angeles-based company, Capital Group, operates American Funds , the second-biggest family of stock and bond mutual funds in the U.S.), former U.S. Treasury Secretary Robert Rubin, Summers’s previous boss and predecessor at the U.S. Treasury, and Robert D. Reischauer, former director of the Congressional Budget Office.
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America.
This turned out to be the bottom of the market. Oops.
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Harvard Swaps Are So Toxic Even Summers Won’t Explain
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Learning From Harvard's Investment Mistakes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Learning From Harvard's Investment Mistakes
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 260-revision-4
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/260-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/260-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-18 21:16:22
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvard Swaps Are So Toxic Even Summers Won’t Explain
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included Lawrence Summers (former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor), James Rothenberg (His Los Angeles-based company, Capital Group, operates American Funds , the second-biggest family of stock and bond mutual funds in the U.S.), former U.S. Treasury Secretary Robert Rubin, Summers’s previous boss and predecessor at the U.S. Treasury, and Robert D. Reischauer, former director of the Congressional Budget Office.
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose. Lesson: Understand your downside risk.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America. $500 million up front and the rest paid over 40 years.
“December 2008 was, by an enormous amount, the worst time in history” to terminate the swaps by borrowing money, said Peter Shapiro, a swap adviser at Swap Financial Group.
This turned out to be the bottom of the market. Oops. "Concerned that its losses might worsen, the school borrowed money to terminate the swaps at the nadir of their value, only to see the market for such agreements begin to recover weeks later."
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Lesson here would be don't invest the cash needed for day-to-day expenses. And don't borrow to pay operating
Other smaller colleges seem to be learning from Harvard's mistakes:
Harvard’s woes stemmed from misunderstanding its role, said Leon Botstein, president of Bard College in Annandale-on-Hudson, New York.
“We shouldn’t be in the banking business, we should be in the education business,” Botstein said in a telephone interview.
Another lesson is don't depend on regulators to protect investors:
Summers, along with Rubin and Greenspan opposed the U.S. Commodity Futures Trading Commission’s attempt in 1998 to regulate so-called over-the- counter derivatives, which included agreements like interest rate swaps. At the time, Summers was Rubin’s deputy secretary.
Now Summers is leading the Obama administration’s effort to write stricter rules for the derivatives market “to protect the American people,” he said in October at a conference in New York sponsored by The Economist magazine.
Better late than never I guess.
A final lesson: People shouldn't invest on the basis of what rich and famous people are doing:
“You can be very big and very rich and very smart and still get things wrong,” Shapiro said.
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvard Swaps Are So Toxic Even Summers Won’t Explain
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included Lawrence Summers (former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor), James Rothenberg (His Los Angeles-based company, Capital Group, operates American Funds , the second-biggest family of stock and bond mutual funds in the U.S.), former U.S. Treasury Secretary Robert Rubin, Summers’s previous boss and predecessor at the U.S. Treasury, and Robert D. Reischauer, former director of the Congressional Budget Office.
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose. Lesson: Understand your downside risk.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America. $500 million up front and the rest paid over 40 years.
“December 2008 was, by an enormous amount, the worst time in history” to terminate the swaps by borrowing money, said Peter Shapiro, a swap adviser at Swap Financial Group.
This turned out to be the bottom of the market. Oops. "Concerned that its losses might worsen, the school borrowed money to terminate the swaps at the nadir of their value, only to see the market for such agreements begin to recover weeks later."
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Lesson here would be don't invest the cash needed for day-to-day expenses. And don't borrow to pay operating
Other smaller colleges seem to be learning from Harvard's mistakes:
Harvard’s woes stemmed from misunderstanding its role, said Leon Botstein, president of Bard College in Annandale-on-Hudson, New York.
“We shouldn’t be in the banking business, we should be in the education business,” Botstein said in a telephone interview.
Another lesson is don't depend on regulators to protect investors:
Summers, along with Rubin and Greenspan opposed the U.S. Commodity Futures Trading Commission’s attempt in 1998 to regulate so-called over-the- counter derivatives, which included agreements like interest rate swaps. At the time, Summers was Rubin’s deputy secretary.
Now Summers is leading the Obama administration’s effort to write stricter rules for the derivatives market “to protect the American people,” he said in October at a conference in New York sponsored by The Economist magazine.
Better late than never I guess.
A final lesson: People shouldn't invest on the basis of what rich and famous people are doing:
“You can be very big and very rich and very smart and still get things wrong,” Shapiro said.
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Learning From Harvard's Investment Mistakes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Learning From Harvard's Investment Mistakes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/2009/12/harvard-logo.gif
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvard Swaps Are So Toxic Even Summers Won’t Explain
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose. Lesson: Understand your downside risk.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America. $500 million up front and the rest paid over 40 years.
“December 2008 was, by an enormous amount, the worst time in history” to terminate the swaps by borrowing money, said Peter Shapiro, a swap adviser at Swap Financial Group.
This turned out to be the bottom of the market. Oops. "Concerned that its losses might worsen, the school borrowed money to terminate the swaps at the nadir of their value, only to see the market for such agreements begin to recover weeks later."
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Lesson here would be don't invest cash needed for day-to-day expenses.
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included some well-known figures:
Lawrence Summers, former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor
James Rothenberg, his Los Angeles-based company, Capital Group, operates American Funds
Robert Rubin, former U.S. Treasury Secretary and Summers’s previous boss and predecessor at the U.S. Treasury
Robert D. Reischauer, former director of the Congressional Budget Office.
Lesson here is don't be swayed by celebrity endorsements.
Other smaller colleges seem to be learning from Harvard's mistakes:
Harvard’s woes stemmed from misunderstanding its role, said Leon Botstein, president of Bard College in Annandale-on-Hudson, New York.
“We shouldn’t be in the banking business, we should be in the education business,” Botstein said in a telephone interview.
Another lesson is don't depend on regulators to protect investors:
Summers, along with Rubin and Greenspan opposed the U.S. Commodity Futures Trading Commission’s attempt in 1998 to regulate so-called over-the- counter derivatives, which included agreements like interest rate swaps. At the time, Summers was Rubin’s deputy secretary.
Now Summers is leading the Obama administration’s effort to write stricter rules for the derivatives market “to protect the American people,” he said in October at a conference in New York sponsored by The Economist magazine.
Better late than never I guess.
The article pointed out Summers was forced to resign as Harvard's president "after he questioned women’s innate aptitude for math and science." I bet few American housewives would look to forward swaps when the family plans to build a larger home in 4 years.
In fact, I bet most American housewives would question the wisdom of Harvard borrowing money to build buildings when it had $22.6 billion in its endowment. Some 4-year colleges, like Grove City College, don't build any buildings until they've raised the necessary funds and have the money in the bank. Being debt free, Grove City College has tuition less than half of Harvard University. There's gotta be a lesson in there someplace.
A final lesson: People shouldn't invest on the basis of what rich and famous people are doing:
“You can be very big and very rich and very smart and still get things wrong,” Shapiro said.
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvard Swaps Are So Toxic Even Summers Won’t Explain
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose. Lesson: Understand your downside risk.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America. $500 million up front and the rest paid over 40 years.
“December 2008 was, by an enormous amount, the worst time in history” to terminate the swaps by borrowing money, said Peter Shapiro, a swap adviser at Swap Financial Group.
This turned out to be the bottom of the market. Oops. "Concerned that its losses might worsen, the school borrowed money to terminate the swaps at the nadir of their value, only to see the market for such agreements begin to recover weeks later."
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Lesson here would be don't invest cash needed for day-to-day expenses.
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included some well-known figures:
Lawrence Summers, former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor
James Rothenberg, his Los Angeles-based company, Capital Group, operates American Funds
Robert Rubin, former U.S. Treasury Secretary and Summers’s previous boss and predecessor at the U.S. Treasury
Robert D. Reischauer, former director of the Congressional Budget Office.
Lesson here is don't be swayed by celebrity endorsements.
Other smaller colleges seem to be learning from Harvard's mistakes:
Harvard’s woes stemmed from misunderstanding its role, said Leon Botstein, president of Bard College in Annandale-on-Hudson, New York.
“We shouldn’t be in the banking business, we should be in the education business,” Botstein said in a telephone interview.
Another lesson is don't depend on regulators to protect investors:
Summers, along with Rubin and Greenspan opposed the U.S. Commodity Futures Trading Commission’s attempt in 1998 to regulate so-called over-the- counter derivatives, which included agreements like interest rate swaps. At the time, Summers was Rubin’s deputy secretary.
Now Summers is leading the Obama administration’s effort to write stricter rules for the derivatives market “to protect the American people,” he said in October at a conference in New York sponsored by The Economist magazine.
Better late than never I guess.
The article pointed out Summers was forced to resign as Harvard's president "after he questioned women’s innate aptitude for math and science." I bet few American housewives would look to forward swaps when the family plans to build a larger home in 4 years.
In fact, I bet most American housewives would question the wisdom of Harvard borrowing money to build buildings when it had $22.6 billion in its endowment. Some 4-year colleges, like Grove City College, don't build any buildings until they've raised the necessary funds and have the money in the bank. Being debt free, Grove City College has tuition less than half of Harvard University. There's gotta be a lesson in there someplace.
A final lesson: People shouldn't invest on the basis of what rich and famous people are doing:
“You can be very big and very rich and very smart and still get things wrong,” Shapiro said.
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Learning From Harvard's Investment Mistakes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Learning From Harvard's Investment Mistakes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/260-revision-6/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvard Swaps Are So Toxic Even Summers Won’t Explain
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose. Lesson: Understand your downside risk.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America. $500 million up front and the rest paid over 40 years.
“December 2008 was, by an enormous amount, the worst time in history” to terminate the swaps by borrowing money, said Peter Shapiro, a swap adviser at Swap Financial Group.
This turned out to be the bottom of the market. Oops. "Concerned that its losses might worsen, the school borrowed money to terminate the swaps at the nadir of their value, only to see the market for such agreements begin to recover weeks later."
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Lesson here would be don't invest cash needed for day-to-day expenses.
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included some well-known figures:
Lawrence Summers, former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor
James Rothenberg, his Los Angeles-based company, Capital Group, operates American Funds
Robert Rubin, former U.S. Treasury Secretary and Summers’s previous boss and predecessor at the U.S. Treasury
Robert D. Reischauer, former director of the Congressional Budget Office.
Lesson here is don't be swayed by celebrity endorsements.
Other smaller colleges seem to be learning from Harvard's mistakes:
Harvard’s woes stemmed from misunderstanding its role, said Leon Botstein, president of Bard College in Annandale-on-Hudson, New York.
“We shouldn’t be in the banking business, we should be in the education business,” Botstein said in a telephone interview.
Another lesson is don't depend on regulators to protect investors:
Summers, along with Rubin and Greenspan opposed the U.S. Commodity Futures Trading Commission’s attempt in 1998 to regulate so-called over-the- counter derivatives, which included agreements like interest rate swaps. At the time, Summers was Rubin’s deputy secretary.
Now Summers is leading the Obama administration’s effort to write stricter rules for the derivatives market “to protect the American people,” he said in October at a conference in New York sponsored by The Economist magazine.
Better late than never I guess.
The article pointed out Summers was forced to resign as Harvard's president "after he questioned women’s innate aptitude for math and science." I bet few American housewives would look to forward swaps when the family plans to build a larger home in 4 years.
In fact, I bet most American housewives would question the wisdom of Harvard borrowing money to build buildings when it had $22.6 billion in its endowment. Some 4-year colleges, like Grove City College, don't build any buildings until they've raised the necessary funds and have the money in the bank. Being debt free, Grove City College has tuition less than half of Harvard University. There's gotta be a lesson in there someplace.
A final lesson: People shouldn't invest on the basis of what rich and famous people are doing:
“You can be very big and very rich and very smart and still get things wrong,” Shapiro said.
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvard Swaps Are So Toxic Even Summers Won’t Explain
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose. Lesson: Understand your downside risk.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America. $500 million up front and the rest paid over 40 years.
“December 2008 was, by an enormous amount, the worst time in history” to terminate the swaps by borrowing money, said Peter Shapiro, a swap adviser at Swap Financial Group.
This turned out to be the bottom of the market. Oops. "Concerned that its losses might worsen, the school borrowed money to terminate the swaps at the nadir of their value, only to see the market for such agreements begin to recover weeks later."
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Lesson here would be don't invest cash needed for day-to-day expenses.
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included some well-known figures:
Lawrence Summers, former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor
James Rothenberg, his Los Angeles-based company, Capital Group, operates American Funds
Robert Rubin, former U.S. Treasury Secretary and Summers’s previous boss and predecessor at the U.S. Treasury
Robert D. Reischauer, former director of the Congressional Budget Office.
Lesson here is don't be swayed by celebrity endorsements.
Other smaller colleges seem to be learning from Harvard's mistakes:
Harvard’s woes stemmed from misunderstanding its role, said Leon Botstein, president of Bard College in Annandale-on-Hudson, New York.
“We shouldn’t be in the banking business, we should be in the education business,” Botstein said in a telephone interview.
Another lesson is don't depend on regulators to protect investors:
Summers, along with Rubin and Greenspan opposed the U.S. Commodity Futures Trading Commission’s attempt in 1998 to regulate so-called over-the- counter derivatives, which included agreements like interest rate swaps. At the time, Summers was Rubin’s deputy secretary.
Now Summers is leading the Obama administration’s effort to write stricter rules for the derivatives market “to protect the American people,” he said in October at a conference in New York sponsored by The Economist magazine.
Better late than never I guess.
The article pointed out Summers was forced to resign as Harvard's president "after he questioned women’s innate aptitude for math and science." I bet few American housewives would look to forward swaps when the family plans to build a larger home in 4 years.
In fact, I bet most American housewives would question the wisdom of Harvard borrowing money to build buildings when it had $22.6 billion in its endowment. Some 4-year colleges, like Grove City College, don't build any buildings until they've raised the necessary funds and have the money in the bank. Being debt free, Grove City College has tuition less than half of Harvard University. There's gotta be a lesson in there someplace.
A final lesson: People shouldn't invest on the basis of what rich and famous people are doing:
“You can be very big and very rich and very smart and still get things wrong,” Shapiro said.
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Learning From Harvard's Investment Mistakes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Learning From Harvard's Investment Mistakes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/260-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/260-revision-7/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-02 17:38:18
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: [caption id="attachment_16" align="alignright" width="116" caption="Seminar-in-a-Box"]long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: [caption id="attachment_16" align="alignright" width="116" caption="Seminar-in-a-Box"]long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Seminars
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/2-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/2-revision-9/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped by yourself?
Or are you tired of being nagged by a coach when you need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped by yourself?
Or are you tired of being nagged by a coach when you need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Products
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Products
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/2-revision-10/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons explains how sending holiday cards to your clients and prospects can keep your existing clients happy and help you stand out from your competitors. You'll also learn what to do if you've run out of time and it's too late to send out Christmas cards.
httpv://www.youtube.com/watch?v=dHOsGXyz0V0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons explains how sending holiday cards to your clients and prospects can keep your existing clients happy and help you stand out from your competitors. You'll also learn what to do if you've run out of time and it's too late to send out Christmas cards.
httpv://www.youtube.com/watch?v=dHOsGXyz0V0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Christmas Cards
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Christmas Cards
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=271
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=271
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons explains how sending holiday cards to your clients and prospects can keep your existing clients happy and help you stand out from your competitors. You'll also learn what to do if you've run out of time and it's too late to send out Christmas cards.
httpv://www.youtube.com/watch?v=dHOsGXyz0V0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons explains how sending holiday cards to your clients and prospects can keep your existing clients happy and help you stand out from your competitors. You'll also learn what to do if you've run out of time and it's too late to send out Christmas cards.
httpv://www.youtube.com/watch?v=dHOsGXyz0V0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons explains how sending holiday cards to your clients and prospects can keep your existing clients happy and help you stand out from your competitors. You'll also learn what to do if you've run out of time and it's too late to send out Christmas cards.
httpv://www.youtube.com/watch?v=dHOsGXyz0V0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons explains how sending holiday cards to your clients and prospects can keep your existing clients happy and help you stand out from your competitors. You'll also learn what to do if you've run out of time and it's too late to send out Christmas cards.
httpv://www.youtube.com/watch?v=dHOsGXyz0V0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Christmas Cards
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Christmas Cards
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons explains how sending holiday cards to your clients and prospects can keep your existing clients happy and help you stand out from your competitors. You'll also learn what to do if you've run out of time and it's too late to send out Christmas cards.
httpv://www.youtube.com/watch?v=dHOsGXyz0V0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons explains how sending holiday cards to your clients and prospects can keep your existing clients happy and help you stand out from your competitors. You'll also learn what to do if you've run out of time and it's too late to send out Christmas cards.
httpv://www.youtube.com/watch?v=dHOsGXyz0V0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Christmas Cards
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Christmas Cards
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/271-revision-3/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-18 14:10:47
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Article: Harvard Swaps Are So Toxic Even Summers Won’t Explain
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose. Lesson: Understand your downside risk.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America. $500 million up front and the rest paid over 40 years.
“December 2008 was, by an enormous amount, the worst time in history” to terminate the swaps by borrowing money, said Peter Shapiro, a swap adviser at Swap Financial Group.
This turned out to be the bottom of the market. Oops. "Concerned that its losses might worsen, the school borrowed money to terminate the swaps at the nadir of their value, only to see the market for such agreements begin to recover weeks later."
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Lesson here would be don't invest cash needed for day-to-day expenses.
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included some well-known figures:
Lawrence Summers, former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor
James Rothenberg, his Los Angeles-based company, Capital Group, operates American Funds
Robert Rubin, former U.S. Treasury Secretary and Summers’s previous boss and predecessor at the U.S. Treasury
Robert D. Reischauer, former director of the Congressional Budget Office.
Lesson here is don't be swayed by celebrity endorsements.
Other smaller colleges seem to be learning from Harvard's mistakes:
Harvard’s woes stemmed from misunderstanding its role, said Leon Botstein, president of Bard College in Annandale-on-Hudson, New York.
“We shouldn’t be in the banking business, we should be in the education business,” Botstein said in a telephone interview.
Another lesson is don't depend on regulators to protect investors:
Summers, along with Rubin and Greenspan opposed the U.S. Commodity Futures Trading Commission’s attempt in 1998 to regulate so-called over-the- counter derivatives, which included agreements like interest rate swaps. At the time, Summers was Rubin’s deputy secretary.
Now Summers is leading the Obama administration’s effort to write stricter rules for the derivatives market “to protect the American people,” he said in October at a conference in New York sponsored by The Economist magazine.
Better late than never I guess.
The article pointed out Summers was forced to resign as Harvard's president "after he questioned women’s innate aptitude for math and science." I bet few American housewives would look to forward swaps when the family plans to build a larger home in 4 years.
In fact, I bet most American housewives would question the wisdom of Harvard borrowing money to build buildings when it had $22.6 billion in its endowment. Some 4-year colleges, like Grove City College, don't build any buildings until they've raised the necessary funds and have the money in the bank. Being debt free, Grove City College has tuition less than half of Harvard University. There's gotta be a lesson in there someplace.
A final lesson: People shouldn't invest on the basis of what rich and famous people are doing:
“You can be very big and very rich and very smart and still get things wrong,” Shapiro said.
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Article: Harvard Swaps Are So Toxic Even Summers Won’t Explain
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose. Lesson: Understand your downside risk.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America. $500 million up front and the rest paid over 40 years.
“December 2008 was, by an enormous amount, the worst time in history” to terminate the swaps by borrowing money, said Peter Shapiro, a swap adviser at Swap Financial Group.
This turned out to be the bottom of the market. Oops. "Concerned that its losses might worsen, the school borrowed money to terminate the swaps at the nadir of their value, only to see the market for such agreements begin to recover weeks later."
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Lesson here would be don't invest cash needed for day-to-day expenses.
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included some well-known figures:
Lawrence Summers, former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor
James Rothenberg, his Los Angeles-based company, Capital Group, operates American Funds
Robert Rubin, former U.S. Treasury Secretary and Summers’s previous boss and predecessor at the U.S. Treasury
Robert D. Reischauer, former director of the Congressional Budget Office.
Lesson here is don't be swayed by celebrity endorsements.
Other smaller colleges seem to be learning from Harvard's mistakes:
Harvard’s woes stemmed from misunderstanding its role, said Leon Botstein, president of Bard College in Annandale-on-Hudson, New York.
“We shouldn’t be in the banking business, we should be in the education business,” Botstein said in a telephone interview.
Another lesson is don't depend on regulators to protect investors:
Summers, along with Rubin and Greenspan opposed the U.S. Commodity Futures Trading Commission’s attempt in 1998 to regulate so-called over-the- counter derivatives, which included agreements like interest rate swaps. At the time, Summers was Rubin’s deputy secretary.
Now Summers is leading the Obama administration’s effort to write stricter rules for the derivatives market “to protect the American people,” he said in October at a conference in New York sponsored by The Economist magazine.
Better late than never I guess.
The article pointed out Summers was forced to resign as Harvard's president "after he questioned women’s innate aptitude for math and science." I bet few American housewives would look to forward swaps when the family plans to build a larger home in 4 years.
In fact, I bet most American housewives would question the wisdom of Harvard borrowing money to build buildings when it had $22.6 billion in its endowment. Some 4-year colleges, like Grove City College, don't build any buildings until they've raised the necessary funds and have the money in the bank. Being debt free, Grove City College has tuition less than half of Harvard University. There's gotta be a lesson in there someplace.
A final lesson: People shouldn't invest on the basis of what rich and famous people are doing:
“You can be very big and very rich and very smart and still get things wrong,” Shapiro said.
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Learning From Harvard's Investment Mistakes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Learning From Harvard's Investment Mistakes
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-23 07:58:53
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Congress Lets 50 Tax Breaks Expire http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html (Dow Jones)
As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Congress Lets 50 Tax Breaks Expire http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html (Dow Jones)
As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Update: Not Just Estate Tax Expiring at Year End
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Update: Not Just Estate Tax Expiring at Year End
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=276
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: [Richard: The debate over healthcare reform has sucked all the air out of Washington DC. Not just the hot air...the result has been over 50 tax breaks for business and individuals will now expire on December 31st. Get ready for lots of questions from your clients.]
Congress Lets 50 Tax Breaks Expire Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html
(Dow Jones) As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: [Richard: The debate over healthcare reform has sucked all the air out of Washington DC. Not just the hot air...the result has been over 50 tax breaks for business and individuals will now expire on December 31st. Get ready for lots of questions from your clients.]
Congress Lets 50 Tax Breaks Expire Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html
(Dow Jones) As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Update: Not Just the Estate Tax Expiring at Year End
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: According to an article in Forbes magazine today, Congress is on the verge of
http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Congress Lets 50 Tax Breaks Expire Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems , as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
Follow Forbes Planning on Twitter transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
"Companies are sensitive to that," says Monica McGuire, executive secretary of the R&D Credit Coalition in Washington, which represents such research heavyweights as 3M, AT&T, Genentech, Hewlett-Packard and Xerox. "If Congress is serious about jobs in this jobless recovery, they ought not to treat the credit like a yo-yo," she adds.The lapse could also affect companies' reported earnings, since they won't be able to assume the credit will be extended.
The expiration of the credit stands in contrast to President Barack Obama's call for the credit to be made permanent. "Under my budget, this tax credit will no longer fall prey to the whims of politics and partisanship," Obama said in remarks to technology executives at the White House in March. "It will be far more effective when businesses like yours can count on it, when you've got some stability and reliability." Multinationals argue that uncertainty over the credit makes the U.S. look less competitive when they are deciding whether to locate new research projects here or in countries with permanent tax incentives.
Multinationals are also frustrated that two other provisions--the Subpart F active financing and look-through rules--haven't been extended. "Until there is clarity, companies may have to avoid doing certain transactions," says Stretch. "Basically, it fouls up their marketplace."
Other corporate breaks that are in limbo include a railroad track maintenance credit; special expensing rules for U.S. film and television productions; and tax laws that help Puerto Rican and U.S. Virgin Islands distillers.
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html
Clock Ticks On Estate Tax (Dow Jones) As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: According to an article in Forbes magazine today, Congress is on the verge of
http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Congress Lets 50 Tax Breaks Expire Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems , as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
Follow Forbes Planning on Twitter transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
"Companies are sensitive to that," says Monica McGuire, executive secretary of the R&D Credit Coalition in Washington, which represents such research heavyweights as 3M, AT&T, Genentech, Hewlett-Packard and Xerox. "If Congress is serious about jobs in this jobless recovery, they ought not to treat the credit like a yo-yo," she adds.The lapse could also affect companies' reported earnings, since they won't be able to assume the credit will be extended.
The expiration of the credit stands in contrast to President Barack Obama's call for the credit to be made permanent. "Under my budget, this tax credit will no longer fall prey to the whims of politics and partisanship," Obama said in remarks to technology executives at the White House in March. "It will be far more effective when businesses like yours can count on it, when you've got some stability and reliability." Multinationals argue that uncertainty over the credit makes the U.S. look less competitive when they are deciding whether to locate new research projects here or in countries with permanent tax incentives.
Multinationals are also frustrated that two other provisions--the Subpart F active financing and look-through rules--haven't been extended. "Until there is clarity, companies may have to avoid doing certain transactions," says Stretch. "Basically, it fouls up their marketplace."
Other corporate breaks that are in limbo include a railroad track maintenance credit; special expensing rules for U.S. film and television productions; and tax laws that help Puerto Rican and U.S. Virgin Islands distillers.
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html
Clock Ticks On Estate Tax (Dow Jones) As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Update: Not Just the Estate Tax Expiring
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: [Richard: The debate over healthcare reform has sucked all the air out of Washington DC. Not just the hot air...the result has been over 50 tax breaks for business and individuals will now expire on December 31st. Get ready for lots of questions from your clients.]
Congress Lets 50 Tax Breaks Expire http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html (Dow Jones)
As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: [Richard: The debate over healthcare reform has sucked all the air out of Washington DC. Not just the hot air...the result has been over 50 tax breaks for business and individuals will now expire on December 31st. Get ready for lots of questions from your clients.]
Congress Lets 50 Tax Breaks Expire http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html (Dow Jones)
As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Update: Not Just the Estate Tax Expiring at Year End
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: [Richard: The debate over healthcare reform has sucked all the air out of Washington DC. Not just the hot air...the result has been over 50 tax breaks for business and individuals will now expire on December 31st. Get ready for lots of questions from your clients.]
Congress Lets 50 Tax Breaks Expire http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html (Dow Jones)
As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: [Richard: The debate over healthcare reform has sucked all the air out of Washington DC. Not just the hot air...the result has been over 50 tax breaks for business and individuals will now expire on December 31st. Get ready for lots of questions from your clients.]
Congress Lets 50 Tax Breaks Expire http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html (Dow Jones)
As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Update: Not Just the Estate Tax Expiring at Year End
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Update: Not Just the Estate Tax Expiring at Year End
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/276-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/276-revision-4/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Congress Lets 50 Tax Breaks Expire http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html (Dow Jones)
As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Congress Lets 50 Tax Breaks Expire http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html (Dow Jones)
As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Update: Not Just the Estate Tax Expiring at Year End
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Update: Not Just the Estate Tax Expiring at Year End
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 276-revision-5
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-22 23:58:12
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-23 07:58:12
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/276-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/276-revision-5/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-22 23:58:14
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Congress Lets 50 Tax Breaks Expire http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html (Dow Jones)
As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Congress Lets 50 Tax Breaks Expire http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html (Dow Jones)
As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Update: Not Just the Estate Tax Expiring at Year End
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/276-revision-6/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Congress Lets 50 Tax Breaks Expire http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html (Dow Jones)
As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Congress Lets 50 Tax Breaks Expire http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html (Dow Jones)
As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Update: Not Just the Estate Tax Expiring at Year End
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Update: Not Just the Estate Tax Expiring at Year End
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Congress Lets 50 Tax Breaks Expire http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html (Dow Jones)
As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Congress Lets 50 Tax Breaks Expire http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html (Dow Jones)
As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Update: Not Just Estate Tax Expiring at Year End
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Update: Not Just Estate Tax Expiring at Year End
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/276-autosave/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-24 22:27:19
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons speaks about the importance of doing little things that your clients request...even when it's inconvenient. Even when it's Christmas Eve!
httpv://www.youtube.com/watch?v=NYP8JBFZfy0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons speaks about the importance of doing little things that your clients request...even when it's inconvenient. Even when it's Christmas Eve!
httpv://www.youtube.com/watch?v=NYP8JBFZfy0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success a Little Bit at a Time
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success a Little Bit at a Time
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-02 11:13:24
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=286
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=286
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-29 06:29:29
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons speaks about the importance of doing little things that your clients request...even when it's inconvenient.
httpv://www.youtube.com/watch?v=NYP8JBFZfy0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons speaks about the importance of doing little things that your clients request...even when it's inconvenient.
httpv://www.youtube.com/watch?v=NYP8JBFZfy0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success a Little Bit at a Time
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success a Little Bit at a Time
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons speaks about the importance of doing little things that your clients request...even when it's inconvenient.
httpv://www.youtube.com/watch?v=NYP8JBFZfy0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons speaks about the importance of doing little things that your clients request...even when it's inconvenient.
httpv://www.youtube.com/watch?v=NYP8JBFZfy0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success a Little Bit at a Time
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success a Little Bit at a Time
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-29 06:31:17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons speaks about the importance of doing little things that your clients request...even when it's inconvenient. Even when it's Christmas Eve!
httpv://www.youtube.com/watch?v=NYP8JBFZfy0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons speaks about the importance of doing little things that your clients request...even when it's inconvenient. Even when it's Christmas Eve!
httpv://www.youtube.com/watch?v=NYP8JBFZfy0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success a Little Bit at a Time
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success a Little Bit at a Time
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/286-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/286-revision-3/
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-29 06:42:15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons speaks about the importance of doing little things that your clients request...even when it's inconvenient. Even when it's Christmas Eve!
httpv://www.youtube.com/watch?v=NYP8JBFZfy0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons speaks about the importance of doing little things that your clients request...even when it's inconvenient. Even when it's Christmas Eve!
httpv://www.youtube.com/watch?v=NYP8JBFZfy0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success a Little Bit at a Time
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success a Little Bit at a Time
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 286-autosave
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/286-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/286-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-29 06:39:44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons speaks about the importance of doing little things that your clients request...even when it's inconvenient. Even when it's Christmas Eve!
httpv://www.youtube.com/watch?v=NYP8JBFZfy0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons speaks about the importance of doing little things that your clients request...even when it's inconvenient. Even when it's Christmas Eve!
httpv://www.youtube.com/watch?v=NYP8JBFZfy0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success a Little Bit at a Time
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success a Little Bit at a Time
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/286-revision-4/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: evasive action appropriate steps to protect their estates. While you're helping your upper end clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: evasive action appropriate steps to protect their estates. While you're helping your upper end clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: NY Times Editorial: "An Estate Tax Mess" and Your Clients
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: NY Times Editorial: "An Estate Tax Mess" and Your Clients
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: new-york-times-editorial-an-estate-tax-mess-your-clients
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-02 11:12:36
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-02 19:12:36
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=292
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=292
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-28 22:54:07
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-29 06:54:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-29 06:54:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You need to keep your finger on what's hot in the economy as well as in the political realm. Do you sense a growing wave of discontent with what the "political class" is doing to the middle and even upper classes these days? Wall St. gets a bailout and Main St. is left to fend for itself?
The failure of Congress to means that the super rich (maybe 5500 estates in the US) will benefit from the repeal of the estate tax for 2010. Congress' failure also means that approximately 70,000 families will get hit by the repeal of the step-up in basis. As this word gets out on this, you'll see editorials in your local paper like this one in yesterday's New York Times.
You need to get up to speed on all of this and communicate what's going on to your clients. Then you'll be in a position to help your clients take evasive action appropriate steps to protect their estates. While you're helping
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You need to keep your finger on what's hot in the economy as well as in the political realm. Do you sense a growing wave of discontent with what the "political class" is doing to the middle and even upper classes these days? Wall St. gets a bailout and Main St. is left to fend for itself?
The failure of Congress to means that the super rich (maybe 5500 estates in the US) will benefit from the repeal of the estate tax for 2010. Congress' failure also means that approximately 70,000 families will get hit by the repeal of the step-up in basis. As this word gets out on this, you'll see editorials in your local paper like this one in yesterday's New York Times.
You need to get up to speed on all of this and communicate what's going on to your clients. Then you'll be in a position to help your clients take evasive action appropriate steps to protect their estates. While you're helping
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: NY Times Editorial: "An Estate Tax Mess" and Why You Need to Pay Attention
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: NY Times Editorial: "An Estate Tax Mess" and Why You Need to Pay Attention
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 292-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292-revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-28 22:54:07
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-29 06:54:07
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/292-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/292-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-28 22:55:07
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-29 06:55:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-29 06:55:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You need to keep your finger on what's hot in the economy as well as in the political realm. Do you sense a growing wave of discontent with what the "political class" is doing to the middle and even upper classes these days? Wall St. gets a bailout and Main St. is left to fend for itself?
The failure of Congress to means that the super rich (maybe 5500 estates in the US) will benefit from the repeal of the estate tax for 2010. Congress' failure also means that approximately 70,000 families will get hit by the repeal of the step-up in basis. As this word gets out on this, you'll see editorials in your local paper like this one in yesterday's New York Times.
You need to get up to speed on all of this and communicate what's going on to your clients. Then you'll be in a position to help your clients take evasive action appropriate steps to protect their estates. While you're helping your upper end clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You need to keep your finger on what's hot in the economy as well as in the political realm. Do you sense a growing wave of discontent with what the "political class" is doing to the middle and even upper classes these days? Wall St. gets a bailout and Main St. is left to fend for itself?
The failure of Congress to means that the super rich (maybe 5500 estates in the US) will benefit from the repeal of the estate tax for 2010. Congress' failure also means that approximately 70,000 families will get hit by the repeal of the step-up in basis. As this word gets out on this, you'll see editorials in your local paper like this one in yesterday's New York Times.
You need to get up to speed on all of this and communicate what's going on to your clients. Then you'll be in a position to help your clients take evasive action appropriate steps to protect their estates. While you're helping your upper end clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: NY Times Editorial: "An Estate Tax Mess" and Why You Need to Pay Attention
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: NY Times Editorial: "An Estate Tax Mess" and Why You Need to Pay Attention
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 292-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292-revision-2
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-28 22:55:07
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-29 06:55:07
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/292-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/292-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 295
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-28 22:55:58
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-28 22:55:58
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-29 06:55:58
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-29 06:55:58
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You need to keep your finger on what's hot in the economy as well as in the political realm. Do you sense a growing wave of discontent with what the "political class" is doing to the middle and even upper classes these days? Wall St. gets a bailout and Main St. is left to fend for itself?
The failure of Congress to means that the super rich (maybe 5500 estates in the US) will benefit from the repeal of the estate tax for 2010. Congress' failure also means that approximately 70,000 families will get hit by the repeal of the step-up in basis. As this word gets out on this, you'll see editorials in your local paper like this one in yesterday's New York Times.
You need to get up to speed on all of this and communicate what's going on to your clients. Then you'll be in a position to help your clients take evasive action appropriate steps to protect their estates. While you're helping your upper end clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You need to keep your finger on what's hot in the economy as well as in the political realm. Do you sense a growing wave of discontent with what the "political class" is doing to the middle and even upper classes these days? Wall St. gets a bailout and Main St. is left to fend for itself?
The failure of Congress to means that the super rich (maybe 5500 estates in the US) will benefit from the repeal of the estate tax for 2010. Congress' failure also means that approximately 70,000 families will get hit by the repeal of the step-up in basis. As this word gets out on this, you'll see editorials in your local paper like this one in yesterday's New York Times.
You need to get up to speed on all of this and communicate what's going on to your clients. Then you'll be in a position to help your clients take evasive action appropriate steps to protect their estates. While you're helping your upper end clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: NY Times Editorial: "An Estate Tax Mess" and Why It Matters
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: NY Times Editorial: "An Estate Tax Mess" and Why It Matters
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 292-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-28 22:55:58
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-28 22:55:58
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-29 06:55:58
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/292-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/292-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-28 22:56:38
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-28 22:56:38
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-29 06:56:38
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-29 06:56:38
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You need to keep your finger on what's hot in the economy as well as in the political realm. Do you sense a growing wave of discontent with what the "political class" is doing to the middle and even upper classes these days? Wall St. gets a bailout and Main St. is left to fend for itself?
The failure of Congress to means that the super rich (maybe 5500 estates in the US) will benefit from the repeal of the estate tax for 2010. Congress' failure also means that approximately 70,000 families will get hit by the repeal of the step-up in basis. As this word gets out on this, you'll see editorials in your local paper like this one in yesterday's New York Times.
You need to get up to speed on all of this and communicate what's going on to your clients. Then you'll be in a position to help your clients take evasive action appropriate steps to protect their estates. While you're helping your upper end clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You need to keep your finger on what's hot in the economy as well as in the political realm. Do you sense a growing wave of discontent with what the "political class" is doing to the middle and even upper classes these days? Wall St. gets a bailout and Main St. is left to fend for itself?
The failure of Congress to means that the super rich (maybe 5500 estates in the US) will benefit from the repeal of the estate tax for 2010. Congress' failure also means that approximately 70,000 families will get hit by the repeal of the step-up in basis. As this word gets out on this, you'll see editorials in your local paper like this one in yesterday's New York Times.
You need to get up to speed on all of this and communicate what's going on to your clients. Then you'll be in a position to help your clients take evasive action appropriate steps to protect their estates. While you're helping your upper end clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: NY Times Editorial: "An Estate Tax Mess" and Why It Matters
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: NY Times Editorial: "An Estate Tax Mess" and Why It Matters
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 292-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292-revision-4
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-28 22:56:38
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-29 06:56:38
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/292-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/292-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 297
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-28 22:57:50
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-28 22:57:50
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-29 06:57:50
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-29 06:57:50
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You need to keep your finger on what's hot in the economy as well as in the political realm. Do you sense a growing wave of discontent with what the "political class" is doing to the middle and even upper classes these days? Wall St. gets a bailout and Main St. is left to fend for itself?
The failure of Congress to means that the super rich (maybe 5500 estates in the US) will benefit from the repeal of the estate tax for 2010. Congress' failure also means that approximately 70,000 families will get hit by the repeal of the step-up in basis. As this word gets out on this, you'll see editorials in your local paper like this one in yesterday's New York Times.
You need to get up to speed on all of this and communicate what's going on to your clients. Then you'll be in a position to help your clients take evasive action appropriate steps to protect their estates. While you're helping your upper end clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You need to keep your finger on what's hot in the economy as well as in the political realm. Do you sense a growing wave of discontent with what the "political class" is doing to the middle and even upper classes these days? Wall St. gets a bailout and Main St. is left to fend for itself?
The failure of Congress to means that the super rich (maybe 5500 estates in the US) will benefit from the repeal of the estate tax for 2010. Congress' failure also means that approximately 70,000 families will get hit by the repeal of the step-up in basis. As this word gets out on this, you'll see editorials in your local paper like this one in yesterday's New York Times.
You need to get up to speed on all of this and communicate what's going on to your clients. Then you'll be in a position to help your clients take evasive action appropriate steps to protect their estates. While you're helping your upper end clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: NY Times Editorial: "An Estate Tax Mess" and You
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: NY Times Editorial: "An Estate Tax Mess" and You
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 292-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292-revision-5
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-29 06:57:50
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/292-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/292-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-28 23:03:13
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Taxed_Enough_Already
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/Taxed_Enough_Already.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/Taxed_Enough_Already.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: attachment
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-28 22:58:07
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-29 06:58:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-29 06:58:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You need to keep your finger on what's hot in the economy as well as in the political realm. Do you sense a growing wave of discontent with what the "political class" is doing to the middle and even upper classes these days? Wall St. gets a bailout and Main St. is left to fend for itself?
The failure of Congress to means that the super rich (maybe 5500 estates in the US) will benefit from the repeal of the estate tax for 2010. Congress' failure also means that approximately 70,000 families will get hit by the repeal of the step-up in basis. As this word gets out on this, you'll see editorials in your local paper like this one in yesterday's New York Times.
You need to get up to speed on all of this and communicate what's going on to your clients. Then you'll be in a position to help your clients take evasive action appropriate steps to protect their estates. While you're helping your upper end clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You need to keep your finger on what's hot in the economy as well as in the political realm. Do you sense a growing wave of discontent with what the "political class" is doing to the middle and even upper classes these days? Wall St. gets a bailout and Main St. is left to fend for itself?
The failure of Congress to means that the super rich (maybe 5500 estates in the US) will benefit from the repeal of the estate tax for 2010. Congress' failure also means that approximately 70,000 families will get hit by the repeal of the step-up in basis. As this word gets out on this, you'll see editorials in your local paper like this one in yesterday's New York Times.
You need to get up to speed on all of this and communicate what's going on to your clients. Then you'll be in a position to help your clients take evasive action appropriate steps to protect their estates. While you're helping your upper end clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: NY Times Editorial: "An Estate Tax Mess" and Your Clients
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: NY Times Editorial: "An Estate Tax Mess" and Your Clients
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 292-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292-revision-6
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-28 22:58:07
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-29 06:58:07
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/292-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/292-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-28 23:03:27
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-29 07:03:27
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2009-12-29 07:03:27
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: evasive action appropriate steps to protect their estates. While you're helping your upper end clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: evasive action appropriate steps to protect their estates. While you're helping your upper end clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: NY Times Editorial: "An Estate Tax Mess" and Your Clients
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: NY Times Editorial: "An Estate Tax Mess" and Your Clients
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 292-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 292-revision-7
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-28 23:03:27
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2009-12-29 07:03:27
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/292-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/292-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: evasive action appropriate steps to protect their estates. While you're helping your upper income clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
That's the end of my editorial! Now read this editorial from yesterday's New York Times.
As this word gets out on this, you'll see editorials like this one in your local paper. Or perhaps you can write an article on the estate tax situation and get it published!
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: evasive action appropriate steps to protect their estates. While you're helping your upper income clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
That's the end of my editorial! Now read this editorial from yesterday's New York Times.
As this word gets out on this, you'll see editorials like this one in your local paper. Or perhaps you can write an article on the estate tax situation and get it published!
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: NY Times Editorial: "An Estate Tax Mess" and Your Clients
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: NY Times Editorial: "An Estate Tax Mess" and Your Clients
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: To get anywhere in life you need to know where you want to get to, you need a road map to show you the path to take and then you need to do the most important thing: Take the first step!
In this short video Richard encourages you to create a one page business plan using Jim Horan's book, The One Page Business Plan. This is the best "first step" you can take for a successful 2010. You can read my review of this outstanding book here .
httpv://www.youtube.com/watch?v=s3S_yv2KwWM
[caption id="" align="alignleft" width="500" caption="Happy New Year!"]here .
httpv://www.youtube.com/watch?v=s3S_yv2KwWM
[caption id="" align="alignleft" width="500" caption="Happy New Year!"]here .
Happy New Year! here .
Happy New Year! here .
Happy New Year! here .
Happy New Year! here .
httpv://www.youtube.com/watch?v=s3S_yv2KwWM
[caption id="" align="alignleft" width="500" caption="Happy New Year!"]here .
httpv://www.youtube.com/watch?v=s3S_yv2KwWM
[caption id="" align="alignleft" width="500" caption="Happy New Year!"]here .
httpv://www.youtube.com/watch?v=s3S_yv2KwWM
[caption id="" align="alignleft" width="500" caption="Happy New Year!"]here .
httpv://www.youtube.com/watch?v=s3S_yv2KwWM
[caption id="" align="alignleft" width="500" caption="Happy New Year!"]here .
httpv://www.youtube.com/watch?v=s3S_yv2KwWM
[caption id="" align="alignleft" width="500" caption="Happy New Year!"]here .
httpv://www.youtube.com/watch?v=s3S_yv2KwWM
[caption id="" align="alignleft" width="500" caption="Happy New Year!"]here .
httpv://www.youtube.com/watch?v=s3S_yv2KwWM
[caption id="" align="alignleft" width="500" caption="Happy New Year!"]here .
httpv://www.youtube.com/watch?v=s3S_yv2KwWM
[caption id="" align="alignleft" width="500" caption="Happy New Year!"]evasive action appropriate steps to protect their estates. While you're helping your upper end clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: evasive action appropriate steps to protect their estates. While you're helping your upper end clients with this, don't forget to ask them if they have friends who need similar advice. Maybe you can talk to them before their advisor gets up to speed.
An Estate Tax Mess
Published: December 27, 2009
For much of the last eight years, the majority Republicans pushed through tax break after tax break that mostly benefited the wealthy. Now in the majority, Democratic lawmakers have failed to stop yet another tax benefit for the richest of the rich from taking effect in 2010.
The tax in question is the estate tax, which President George W. Bush and Republicans and some Democrats in Congress were determined to cut from the day Mr. Bush took office in 2001. Even then, the tax hit only a tiny portion of Americans, but estate-tax foes sold Americans a myth about a “death tax” that prevented average people from passing on hard-earned money.
The result was a measure that made big reductions in the federal estate tax, phased in through 2009, and then repealed the tax, for one year only, in 2010. After that, the tax is to be reinstated at pre-2001 levels. Writing the law in that convoluted way helped to mask the true costs. It also created an untenable situation in which a one-year repeal is followed by reinstatement.
There was a giant catch, as well. In 2010, the one-year repeal of the estate tax is coupled with a new tax that will hit smaller estates. That tax could affect up to an estimated 70,000 estates next year, compared with the current estate tax law, which applies to about 5,500 estates annually. If that sounds wacky, it is. It would also be harmful to many small family businesses, precisely the group that estate-tax cutters say they want to help.
Today, the estate tax applies to estates that are worth more than $7 million (for couples), or $3.5 million (for individuals). More than 99 percent of all estates are exempt, so there is no reason to reduce or repeal the tax.
In addition, under today’s law, when heirs sell inherited property, no capital gains tax is due on the increase in value that occurred during the lifetime of the original owner. (If your parents pass on stock worth $2 million that they bought for $200,000, and you sell it for $2 million, you owe no tax on the $1.8 million gain.)
But when the estate tax is repealed in 2010, the capital gains tax will kick in once the gains in an estate exceed $1.3 million. There’s an extra $3 million exemption for assets left to a spouse.
The bottom line is this: there will be many more losers than winners under estate-tax repeal, and the losers will be among Americans who are farther down the wealth ladder.
Earlier this month, the House voted to continue the estate tax permanently as it is this year, with its more-than-generous exemptions and no tax on the sale of inherited assets.
The Senate has failed to act. Republicans refused to consider the House bill or even a two-month delay to allow time for debate. Democrats correctly refused to consider a proposal to increase the exemption to $10 million for couples and $5 million for individuals, an unconscionable giveaway to the wealthy at a time when ordinary Americans are suffering. Compared with keeping the 2009 law, it would cost $250 billion more over 10 years.
Democratic Senate leaders have said that in 2010, they will seek to restore retroactively the 2009 estate tax rules. Fairness, progressivity and the need for revenue demand just that. But failure to act in a timely way is a disturbing display of intransigence and failed leadership. That bodes ill for the more daunting tax debates next year, when the rest of the Bush tax cuts are set to expire.
American taxpayers need — and deserve — better.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: NY Times Editorial: "An Estate Tax Mess" and Your Clients
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons speaks about the importance of doing little things that your clients request...even when it's inconvenient. Even when it's Christmas Eve!
httpv://www.youtube.com/watch?v=NYP8JBFZfy0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons speaks about the importance of doing little things that your clients request...even when it's inconvenient. Even when it's Christmas Eve!
httpv://www.youtube.com/watch?v=NYP8JBFZfy0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success a Little Bit at a Time
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Congress Lets 50 Tax Breaks Expire http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html (Dow Jones)
As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Congress Lets 50 Tax Breaks Expire http://www.forbes.com/2009/12/22/tax-amt-research-credit-senate-personal-finance-expiring-tax-breaks.html
Ashlea Ebeling, 12.22.09, 3:00 PM ET
When members of the U.S. Senate finally head home this week, they will be leaving the future of 50 individual and business tax breaks in limbo. All expire at the end of 2009.
Among the disappearing breaks are the research tax credit and an annual alternative minimum tax "patch," which keeps 23 million additional middle-income Americans from being forced into calculating and paying the dreaded AMT. (For 2009, with the patch in place, 4 million upper-middle- and high-income families will pay AMT.)
Most of the fading-out-50 can, and likely will, be reauthorized retroactively, creating an inconvenience for some taxpayers, but not the same sort of mess as Congress' failure to resolve the future of the estate tax. The estate tax will expire at the close of Dec. 31 and Democrats are pledging to resurrect it retroactively, leading to all sorts of potential legal problems, as well as some planning opportunities for wealthy families.
Among the expiring individual tax breaks: the deduction for state and local sales taxes for itemizers (which benefits mainly residents of states that don't impose an income tax); the additional $1,000 deduction for real estate taxes for those who claim the standard deduction; the $4,000 deduction for college tuition; and a special $250 deduction for teachers who spend their own money on classroom supplies.
This isn't the first time Congress has let some of the 50 breaks lapse. In fact, expiring provisions have come to be known as "extenders," because instead of eliminating them or making them permanent and recognizing their true costs, Congress simply extends them year by year.
This time around, on Dec. 9, House Democrats pushed through a bill extending most of the breaks at a cost of $31 billion. The Senate, mired in partisan warfare over health care reform, never took up a similar measure. On Tuesday, Senate Finance Committee Chairman Max Baucus, D-Mont., and Ranking Member Charles Grassley, R-Iowa, issued a joint letter promising to extend the provisions retroactively as soon as possible.
But taxpayers can't count on early action. "We've seen this movie before," sighs Clint Stretch, managing principal of tax policy with Deloitte Tax. "When this has happened in the past, it's been literally months before Congress has gotten around to fixing things." For example, Congress finally included dozens of lapsed tax breaks in the October 2008 bank bailout, making them retroactive to Jan. 1, 2008.
Meanwhile, taxpayers have some decisions to make. For example, if the AMT patch isn't passed by the time their first 2010 estimated tax payments are due in April, they'll have to decide whether to pay extra money or risk underpaying and incurring a penalty. One lapsed provision allows taxpayers age 70-and-a-half or older to transfer up to $100,000 directly from an IRA to charity without booking the amount transferred as income. Older folks planning a charitable gift may want to do this before Jan. 1.
For businesses, the lapsing of the R&D credit--a $7 billion a year break--is a particular problem, since companies must plan for long-term research commitments amid uncertainty. Since its enactment in 1981, the credit has been extended 13 times; in the mid-1990s there was a one-year gap when it wasn't extended retroactively.
[snip]
The House extenders bill passed Dec. 9 didn't include the AMT patch. Stretch says it's likely the AMT patch and the traditional extenders, including the research credit, will be extended for 2010 sometime next year. Still, with the budget deficit growing, the Bush-era tax cuts set to expire at the end of 2010, and economic advisers to Obama looking at options for tax reform, nothing is certain.
"Who knows what's going to happen next year?" asks McGuire.
Clock Ticks On Estate Tax
[Richard: Read this update on the non-extension of the federal estate tax. There is some confusion out there: while the House did vote to extend the 2009 rates/exemptions into 2010 and beyond, the Senate didn't get to it. Read this article for the implications of this non-action.]
http://www.fa-mag.com/fa-news/4956-clock-ticks-on-estate-tax.html (Dow Jones)
As Congress appears ready to let the federal estate tax lapse on January 1, a dramatic question is what a repeal will do to millions of less affluent taxpayers.
Many who now would owe neither estate nor capital gains tax on inherited assets will owe significant capital gains. And that's just one of the troubling aspects of a repeal.
There are also serious questions about how families with ailing relatives would be affected--a subject of gallows humor since a one-year repeal of the tax was first envisioned for 2010 years ago.
Anyone who turns to a professional for help with all of this is likely to find advisers still sorting through the answers. A big question is whether Congress will enact a retroactive tax, and how it would play out.
Catherine G. Schmidt, an estate-planning attorney and partner at the law firm Patterson Belknap Webb & Tyler LLP in New York, says her firm is working in what could be a narrow window to help clients take advantage of the repeal and avoid a retroactive tax. But, she adds, strategies to this end "are not something anybody already has in their pockets."
Indeed, most advisors truly believed Congress would never let it come to this.
"The estate-planning community is astounded that we've reached this point," said Schmidt.
Under current law, the estate tax disappears for a year in 2010 and then is reinstated in 2011. President Barack Obama blocked a short-term extension Wednesday, but Senate Finance Committee Chairman Max Baucus (D., Mont.) said he will try to move legislation early in 2010 that ensures there won't be a window where wealthy estate owners who die will escape the tax.
For many advisors, the most striking aspect of a repeal is that, along with the estate tax itself, a step-up in cost basis for income tax purposes would go away. The step-up values inherited assets for tax purposes at what they were worth when the person who bequeathed them died. Starting January 1, though, assets will be valued at the original cost of the asset.
So, at a relative's death, "families that would not have had to pay the estate or capital gains tax now may have to pay a capital gains tax on assets that have appreciated in value during the deceased person's lifetime," said Warren Racusin, chair of the trusts and estates practice at law firm Lowenstein Sandler in Roseland, N.J.
Racusin mentioned a client whose parents gave him Microsoft Corp. stock when he was younger, purchased for relatively little, that is now worth $6 million. If the man were to die in 2009, his family would not owe capital gains tax on the appreciation. And, with good estate planning by the man and his wife, there might be no estate tax due either, because a couple can shelter up to $7 million from federal estate tax.
If the man were to die on January 1, 2010, however, his wife could owe capital gains of around $340,000 on the $6 million, figuring in a $3 million exemption for spouses, and another $1.3 million exemption for whoever inherits.
As for a retroactive tax, it would likely raise some complications if lawmakers wait too long to enact it. Relatives of some people who die in a prospective estate-tax-free period--after the end of the year but before a new tax is enacted--would surely not be pleased. Quite certainly, some would challenge the constitutionality of the tax, according to tax analysts.
Nonetheless, both the lower courts and the Supreme Court historically have defended retroactive taxes. The high court, in fact, has been upholding retroactive tax increases since as long ago as 1874.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Update: Not Just Estate Tax Expiring at Year End
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons explains how sending holiday cards to your clients and prospects can keep your existing clients happy and help you stand out from your competitors. You'll also learn what to do if you've run out of time and it's too late to send out Christmas cards.
httpv://www.youtube.com/watch?v=dHOsGXyz0V0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons explains how sending holiday cards to your clients and prospects can keep your existing clients happy and help you stand out from your competitors. You'll also learn what to do if you've run out of time and it's too late to send out Christmas cards.
httpv://www.youtube.com/watch?v=dHOsGXyz0V0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Christmas Cards
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Article: Harvard Swaps Are So Toxic Even Summers Won’t Explain
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose. Lesson: Understand your downside risk.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America. $500 million up front and the rest paid over 40 years.
“December 2008 was, by an enormous amount, the worst time in history” to terminate the swaps by borrowing money, said Peter Shapiro, a swap adviser at Swap Financial Group.
This turned out to be the bottom of the market. Oops. "Concerned that its losses might worsen, the school borrowed money to terminate the swaps at the nadir of their value, only to see the market for such agreements begin to recover weeks later."
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Lesson here would be don't invest cash needed for day-to-day expenses.
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included some well-known figures:
Lawrence Summers, former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor
James Rothenberg, his Los Angeles-based company, Capital Group, operates American Funds
Robert Rubin, former U.S. Treasury Secretary and Summers’s previous boss and predecessor at the U.S. Treasury
Robert D. Reischauer, former director of the Congressional Budget Office.
Lesson here is don't be swayed by celebrity endorsements.
Other smaller colleges seem to be learning from Harvard's mistakes:
Harvard’s woes stemmed from misunderstanding its role, said Leon Botstein, president of Bard College in Annandale-on-Hudson, New York.
“We shouldn’t be in the banking business, we should be in the education business,” Botstein said in a telephone interview.
Another lesson is don't depend on regulators to protect investors:
Summers, along with Rubin and Greenspan opposed the U.S. Commodity Futures Trading Commission’s attempt in 1998 to regulate so-called over-the- counter derivatives, which included agreements like interest rate swaps. At the time, Summers was Rubin’s deputy secretary.
Now Summers is leading the Obama administration’s effort to write stricter rules for the derivatives market “to protect the American people,” he said in October at a conference in New York sponsored by The Economist magazine.
Better late than never I guess.
The article pointed out Summers was forced to resign as Harvard's president "after he questioned women’s innate aptitude for math and science." I bet few American housewives would look to forward swaps when the family plans to build a larger home in 4 years.
In fact, I bet most American housewives would question the wisdom of Harvard borrowing money to build buildings when it had $22.6 billion in its endowment. Some 4-year colleges, like Grove City College, don't build any buildings until they've raised the necessary funds and have the money in the bank. Being debt free, Grove City College has tuition less than half of Harvard University. There's gotta be a lesson in there someplace.
A final lesson: People shouldn't invest on the basis of what rich and famous people are doing:
“You can be very big and very rich and very smart and still get things wrong,” Shapiro said.
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Article: Harvard Swaps Are So Toxic Even Summers Won’t Explain
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose. Lesson: Understand your downside risk.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America. $500 million up front and the rest paid over 40 years.
“December 2008 was, by an enormous amount, the worst time in history” to terminate the swaps by borrowing money, said Peter Shapiro, a swap adviser at Swap Financial Group.
This turned out to be the bottom of the market. Oops. "Concerned that its losses might worsen, the school borrowed money to terminate the swaps at the nadir of their value, only to see the market for such agreements begin to recover weeks later."
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Lesson here would be don't invest cash needed for day-to-day expenses.
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included some well-known figures:
Lawrence Summers, former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor
James Rothenberg, his Los Angeles-based company, Capital Group, operates American Funds
Robert Rubin, former U.S. Treasury Secretary and Summers’s previous boss and predecessor at the U.S. Treasury
Robert D. Reischauer, former director of the Congressional Budget Office.
Lesson here is don't be swayed by celebrity endorsements.
Other smaller colleges seem to be learning from Harvard's mistakes:
Harvard’s woes stemmed from misunderstanding its role, said Leon Botstein, president of Bard College in Annandale-on-Hudson, New York.
“We shouldn’t be in the banking business, we should be in the education business,” Botstein said in a telephone interview.
Another lesson is don't depend on regulators to protect investors:
Summers, along with Rubin and Greenspan opposed the U.S. Commodity Futures Trading Commission’s attempt in 1998 to regulate so-called over-the- counter derivatives, which included agreements like interest rate swaps. At the time, Summers was Rubin’s deputy secretary.
Now Summers is leading the Obama administration’s effort to write stricter rules for the derivatives market “to protect the American people,” he said in October at a conference in New York sponsored by The Economist magazine.
Better late than never I guess.
The article pointed out Summers was forced to resign as Harvard's president "after he questioned women’s innate aptitude for math and science." I bet few American housewives would look to forward swaps when the family plans to build a larger home in 4 years.
In fact, I bet most American housewives would question the wisdom of Harvard borrowing money to build buildings when it had $22.6 billion in its endowment. Some 4-year colleges, like Grove City College, don't build any buildings until they've raised the necessary funds and have the money in the bank. Being debt free, Grove City College has tuition less than half of Harvard University. There's gotta be a lesson in there someplace.
A final lesson: People shouldn't invest on the basis of what rich and famous people are doing:
“You can be very big and very rich and very smart and still get things wrong,” Shapiro said.
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Learning From Harvard's Investment Mistakes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Article: Harvard Swaps Are So Toxic Even Summers Won’t Explain
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose. Lesson: Understand your downside risk.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America. $500 million up front and the rest paid over 40 years.
“December 2008 was, by an enormous amount, the worst time in history” to terminate the swaps by borrowing money, said Peter Shapiro, a swap adviser at Swap Financial Group.
This turned out to be the bottom of the market. Oops. "Concerned that its losses might worsen, the school borrowed money to terminate the swaps at the nadir of their value, only to see the market for such agreements begin to recover weeks later."
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Lesson here would be don't invest cash needed for day-to-day expenses.
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included some well-known figures:
Lawrence Summers, former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor
James Rothenberg, his Los Angeles-based company, Capital Group, operates American Funds
Robert Rubin, former U.S. Treasury Secretary and Summers’s previous boss and predecessor at the U.S. Treasury
Robert D. Reischauer, former director of the Congressional Budget Office.
Lesson here is don't be swayed by celebrity endorsements.
Other smaller colleges seem to be learning from Harvard's mistakes:
Harvard’s woes stemmed from misunderstanding its role, said Leon Botstein, president of Bard College in Annandale-on-Hudson, New York.
“We shouldn’t be in the banking business, we should be in the education business,” Botstein said in a telephone interview.
Another lesson is don't depend on regulators to protect investors:
Summers, along with Rubin and Greenspan opposed the U.S. Commodity Futures Trading Commission’s attempt in 1998 to regulate so-called over-the- counter derivatives, which included agreements like interest rate swaps. At the time, Summers was Rubin’s deputy secretary.
Now Summers is leading the Obama administration’s effort to write stricter rules for the derivatives market “to protect the American people,” he said in October at a conference in New York sponsored by The Economist magazine.
Better late than never I guess.
The article pointed out Summers was forced to resign as Harvard's president "after he questioned women’s innate aptitude for math and science." I bet few American housewives would look to forward swaps when the family plans to build a larger home in 4 years.
In fact, I bet most American housewives would question the wisdom of Harvard borrowing money to build buildings when it had $22.6 billion in its endowment. Some 4-year colleges, like Grove City College, don't build any buildings until they've raised the necessary funds and have the money in the bank. Being debt free, Grove City College has tuition less than half of Harvard University. There's gotta be a lesson in there someplace.
A final lesson: People shouldn't invest on the basis of what rich and famous people are doing:
“You can be very big and very rich and very smart and still get things wrong,” Shapiro said.
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Article: Harvard Swaps Are So Toxic Even Summers Won’t Explain
Harvard planned a major campus expansion and wanted to lock in low interest rates 4 years before they needed the money
Harvard invested in "forward swaps" to lock in "low interest rates" for the project's financing.
These investments bets assumed that interest rates would rise from the existing 2.25% level.
The Federal Reserve Bank subsequently cut short term rates to .26%.
The value of the swaps went to a negative $460MM by June 2005 as rates rose. Lesson: Understand your downside risk.
During the meltdown in 2008, Harvard "cuts its losses" on its swap investments by paying over $1 billion to various banks including JPMorgan, Goldman Sachs, Morgan Stanley, and Bank of America. $500 million up front and the rest paid over 40 years.
“December 2008 was, by an enormous amount, the worst time in history” to terminate the swaps by borrowing money, said Peter Shapiro, a swap adviser at Swap Financial Group.
This turned out to be the bottom of the market. Oops. "Concerned that its losses might worsen, the school borrowed money to terminate the swaps at the nadir of their value, only to see the market for such agreements begin to recover weeks later."
Apparently none of these investment notables had read about Ray Lucia's "Buckets of Money" strategy:
Making matters worse, Harvard disclosed Oct. 16 that its checkbook fund, the general operating account, lost $1.8 billion in the year ended June 30. Lumping the cash account with the endowment was risky, said Louis Morrell , who managed the endowment for Radcliffe College, which is part of Harvard, until 1990.
“They put the operating funds in the endowment --it’s like the guy who has his retirement income in company stock,” said Morrell, who is also the former treasurer of Wake Forest University in Winston-Salem, North Carolina.
This last move meant that Harvard's operating account fell by $1.8 billion in just one year. So they had to scramble to raise cash.
As vanishing credit spurred the government-led rescue of dozens of financial institutions, Harvard was so strapped for cash that it asked Massachusetts for fast-track approval to borrow $2.5 billion. Almost $500 million was used within days to exit agreements known as interest-rate swaps that Harvard had entered to finance expansion in Allston, across the Charles River from its main campus in Cambridge, Massachusetts.
Lesson here would be don't invest cash needed for day-to-day expenses.
Harvard Corp. had a 7-member ruling body approve the transactions. This committee included some well-known figures:
Lawrence Summers, former Secretary for President Clinton, then Harvard President, now serves as President Obama's Economic Advisor
James Rothenberg, his Los Angeles-based company, Capital Group, operates American Funds
Robert Rubin, former U.S. Treasury Secretary and Summers’s previous boss and predecessor at the U.S. Treasury
Robert D. Reischauer, former director of the Congressional Budget Office.
Lesson here is don't be swayed by celebrity endorsements.
Other smaller colleges seem to be learning from Harvard's mistakes:
Harvard’s woes stemmed from misunderstanding its role, said Leon Botstein, president of Bard College in Annandale-on-Hudson, New York.
“We shouldn’t be in the banking business, we should be in the education business,” Botstein said in a telephone interview.
Another lesson is don't depend on regulators to protect investors:
Summers, along with Rubin and Greenspan opposed the U.S. Commodity Futures Trading Commission’s attempt in 1998 to regulate so-called over-the- counter derivatives, which included agreements like interest rate swaps. At the time, Summers was Rubin’s deputy secretary.
Now Summers is leading the Obama administration’s effort to write stricter rules for the derivatives market “to protect the American people,” he said in October at a conference in New York sponsored by The Economist magazine.
Better late than never I guess.
The article pointed out Summers was forced to resign as Harvard's president "after he questioned women’s innate aptitude for math and science." I bet few American housewives would look to forward swaps when the family plans to build a larger home in 4 years.
In fact, I bet most American housewives would question the wisdom of Harvard borrowing money to build buildings when it had $22.6 billion in its endowment. Some 4-year colleges, like Grove City College, don't build any buildings until they've raised the necessary funds and have the money in the bank. Being debt free, Grove City College has tuition less than half of Harvard University. There's gotta be a lesson in there someplace.
A final lesson: People shouldn't invest on the basis of what rich and famous people are doing:
“You can be very big and very rich and very smart and still get things wrong,” Shapiro said.
Source: http://www.bloomberg.com/apps/news?pid=20601087&sid=aHQ2Xh55jI.Q
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Learning From Harvard's Investment Mistakes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Learning From Harvard's Investment Mistakes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/260-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/260-autosave/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Year of the Ponzi Scheme
If you weren’t familiar with the name “Ponzi” last year, you sure learned it quickly this year, along with the names “Madoff,” “Dreier,” “Petters,” and all the others who followed in the footsteps of the notorious fraudster Charles Ponzi.
That’s because, as the Associated Press reports , the number of Ponzi schemes that came to light in the U.S. has nearly quadrupled in the last year. The schemes, in which perpetrators lure investors with promises of high returns and use new investors’ cash to pay the old ones (and, of course, grab cash for themselves), topped 150 this year, compared to about 40 last year.
As a result, the AP says “tens of thousands of investors” lost more than $16.5 billion this year. That figure doesn’t include the $19.4 billion that Bernard Madoff is estimated to have bilked his investors out of in the largest Ponzi scheme ever, because Madoff was arrested in December 2008.
The AP’s review of federal and state criminal cases found that amid the recession and heightened public awareness of Ponzi schemes, the federal government stepped up its pursuit of suspected fraudsters. The Federal Bureau of Investigation launched more than 2,100 probes into securities fraud, up from last year’s 1,750 investigations, and it increased by one-third the number of agents working on high-yield investment fraud cases. And the Securities and Exchange Commission issued 82% more restraining orders and devoted more of its workload to investigating potential scams.
Source: http://blogs.wsj.com/bankruptcy/2009/12/29/the-year-of-the-ponzi-scheme/
NATIONAL BUSINESS MEDIA NOT COVERING TRUE REASONS FOR INVESTOR FRAUD SCANDALS
Dale Yeager a nationally known criminal analyst says that news coverage of the recent investor scandals is missing a critical aspect of these crimes. This overlooked issue is something Yeager calls the “Due Diligence Mess.”
Yeager, says the problem is the antiquated way due diligence is performed for investors.
“The financial crimes of the past year will continue to occur unless radical changes are made in the due diligence process,” states Yeager. “Due diligence must be performed as a criminal investigation not just a financial assessment.”
Based on his experience performing over 200 financial investigations, he believes that the focus must be on the ethics of the people operating the organization the investor will be placing their money into.
“Due diligence is about assessing a person’s credibility” states Yeager, “and people assessment has and always will be the domain of forensic psychology. Look at the amount of negative information that reporters have discovered about Madoff over the past few months. Information that provides a specific psychological profile of him, showing a lifelong pattern of narcissistic and unethical behavior.”
Yeager lays out a plan of action to prevent investor fraud with his article, “The Due Diligence Mess: 3 Reasons Why Ponzi Schemes and Investor Fraud Will Continue”.
“People have become accustom to using forensic accountants,” states Yeager. “But they need to become accustom to using that process in accessing behavior and personal ethics.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Year of the Ponzi Scheme
If you weren’t familiar with the name “Ponzi” last year, you sure learned it quickly this year, along with the names “Madoff,” “Dreier,” “Petters,” and all the others who followed in the footsteps of the notorious fraudster Charles Ponzi.
That’s because, as the Associated Press reports , the number of Ponzi schemes that came to light in the U.S. has nearly quadrupled in the last year. The schemes, in which perpetrators lure investors with promises of high returns and use new investors’ cash to pay the old ones (and, of course, grab cash for themselves), topped 150 this year, compared to about 40 last year.
As a result, the AP says “tens of thousands of investors” lost more than $16.5 billion this year. That figure doesn’t include the $19.4 billion that Bernard Madoff is estimated to have bilked his investors out of in the largest Ponzi scheme ever, because Madoff was arrested in December 2008.
The AP’s review of federal and state criminal cases found that amid the recession and heightened public awareness of Ponzi schemes, the federal government stepped up its pursuit of suspected fraudsters. The Federal Bureau of Investigation launched more than 2,100 probes into securities fraud, up from last year’s 1,750 investigations, and it increased by one-third the number of agents working on high-yield investment fraud cases. And the Securities and Exchange Commission issued 82% more restraining orders and devoted more of its workload to investigating potential scams.
Source: http://blogs.wsj.com/bankruptcy/2009/12/29/the-year-of-the-ponzi-scheme/
NATIONAL BUSINESS MEDIA NOT COVERING TRUE REASONS FOR INVESTOR FRAUD SCANDALS
Dale Yeager a nationally known criminal analyst says that news coverage of the recent investor scandals is missing a critical aspect of these crimes. This overlooked issue is something Yeager calls the “Due Diligence Mess.”
Yeager, says the problem is the antiquated way due diligence is performed for investors.
“The financial crimes of the past year will continue to occur unless radical changes are made in the due diligence process,” states Yeager. “Due diligence must be performed as a criminal investigation not just a financial assessment.”
Based on his experience performing over 200 financial investigations, he believes that the focus must be on the ethics of the people operating the organization the investor will be placing their money into.
“Due diligence is about assessing a person’s credibility” states Yeager, “and people assessment has and always will be the domain of forensic psychology. Look at the amount of negative information that reporters have discovered about Madoff over the past few months. Information that provides a specific psychological profile of him, showing a lifelong pattern of narcissistic and unethical behavior.”
Yeager lays out a plan of action to prevent investor fraud with his article, “The Due Diligence Mess: 3 Reasons Why Ponzi Schemes and Investor Fraud Will Continue”.
“People have become accustom to using forensic accountants,” states Yeager. “But they need to become accustom to using that process in accessing behavior and personal ethics.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing After the "Year of the Ponzi Scheme"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing After the "Year of the Ponzi Scheme"
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=323
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Wall Street Journal called 2009, "The Year of the Ponzi Scheme." Many people heard of the term "Ponzi Scheme" for the first time only because of the size of Bernard Madoff's deal: $50 billion. Sadly with interest rates near zero, many retired people look at high returns delivered by such schemes and get sucked in with their life savings.
Someone commented on this article with an article about the change in Due Dilegence. The implication of this comment would be that financial advisors need to investigate the ethics and integrity of the managers of recommended investments. Don't just look at returns, look at WHO is generating those returns. Can this be done? Should you be held to this standard? Time will tell if the Ponzi Schemes of 2009 lead to regulatory changes in 2010.
The Year of the Ponzi Scheme
If you weren’t familiar with the name “Ponzi” last year, you sure learned it quickly this year, along with the names “Madoff,” “Dreier,” “Petters,” and all the others who followed in the footsteps of the notorious fraudster Charles Ponzi.
That’s because, as the Associated Press reports , the number of Ponzi schemes that came to light in the U.S. has nearly quadrupled in the last year. The schemes, in which perpetrators lure investors with promises of high returns and use new investors’ cash to pay the old ones (and, of course, grab cash for themselves), topped 150 this year, compared to about 40 last year.
As a result, the AP says “tens of thousands of investors” lost more than $16.5 billion this year. That figure doesn’t include the $19.4 billion that Bernard Madoff is estimated to have bilked his investors out of in the largest Ponzi scheme ever, because Madoff was arrested in December 2008.
The AP’s review of federal and state criminal cases found that amid the recession and heightened public awareness of Ponzi schemes, the federal government stepped up its pursuit of suspected fraudsters. The Federal Bureau of Investigation launched more than 2,100 probes into securities fraud, up from last year’s 1,750 investigations, and it increased by one-third the number of agents working on high-yield investment fraud cases. And the Securities and Exchange Commission issued 82% more restraining orders and devoted more of its workload to investigating potential scams.
Source: http://blogs.wsj.com/bankruptcy/2009/12/29/the-year-of-the-ponzi-scheme/
Comment:
NATIONAL BUSINESS MEDIA NOT COVERING TRUE REASONS FOR INVESTOR FRAUD SCANDALS
Dale Yeager a nationally known criminal analyst says that news coverage of the recent investor scandals is missing a critical aspect of these crimes. This overlooked issue is something Yeager calls the “Due Diligence Mess.”
Yeager, says the problem is the antiquated way due diligence is performed for investors.
“The financial crimes of the past year will continue to occur unless radical changes are made in the due diligence process,” states Yeager. “Due diligence must be performed as a criminal investigation not just a financial assessment.”
Based on his experience performing over 200 financial investigations, he believes that the focus must be on the ethics of the people operating the organization the investor will be placing their money into.
“Due diligence is about assessing a person’s credibility” states Yeager, “and people assessment has and always will be the domain of forensic psychology. Look at the amount of negative information that reporters have discovered about Madoff over the past few months. Information that provides a specific psychological profile of him, showing a lifelong pattern of narcissistic and unethical behavior.”
Yeager lays out a plan of action to prevent investor fraud with his article, “The Due Diligence Mess: 3 Reasons Why Ponzi Schemes and Investor Fraud Will Continue”.
“People have become accustom to using forensic accountants,” states Yeager. “But they need to become accustom to using that process in accessing behavior and personal ethics.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Wall Street Journal called 2009, "The Year of the Ponzi Scheme." Many people heard of the term "Ponzi Scheme" for the first time only because of the size of Bernard Madoff's deal: $50 billion. Sadly with interest rates near zero, many retired people look at high returns delivered by such schemes and get sucked in with their life savings.
Someone commented on this article with an article about the change in Due Dilegence. The implication of this comment would be that financial advisors need to investigate the ethics and integrity of the managers of recommended investments. Don't just look at returns, look at WHO is generating those returns. Can this be done? Should you be held to this standard? Time will tell if the Ponzi Schemes of 2009 lead to regulatory changes in 2010.
The Year of the Ponzi Scheme
If you weren’t familiar with the name “Ponzi” last year, you sure learned it quickly this year, along with the names “Madoff,” “Dreier,” “Petters,” and all the others who followed in the footsteps of the notorious fraudster Charles Ponzi.
That’s because, as the Associated Press reports , the number of Ponzi schemes that came to light in the U.S. has nearly quadrupled in the last year. The schemes, in which perpetrators lure investors with promises of high returns and use new investors’ cash to pay the old ones (and, of course, grab cash for themselves), topped 150 this year, compared to about 40 last year.
As a result, the AP says “tens of thousands of investors” lost more than $16.5 billion this year. That figure doesn’t include the $19.4 billion that Bernard Madoff is estimated to have bilked his investors out of in the largest Ponzi scheme ever, because Madoff was arrested in December 2008.
The AP’s review of federal and state criminal cases found that amid the recession and heightened public awareness of Ponzi schemes, the federal government stepped up its pursuit of suspected fraudsters. The Federal Bureau of Investigation launched more than 2,100 probes into securities fraud, up from last year’s 1,750 investigations, and it increased by one-third the number of agents working on high-yield investment fraud cases. And the Securities and Exchange Commission issued 82% more restraining orders and devoted more of its workload to investigating potential scams.
Source: http://blogs.wsj.com/bankruptcy/2009/12/29/the-year-of-the-ponzi-scheme/
Comment:
NATIONAL BUSINESS MEDIA NOT COVERING TRUE REASONS FOR INVESTOR FRAUD SCANDALS
Dale Yeager a nationally known criminal analyst says that news coverage of the recent investor scandals is missing a critical aspect of these crimes. This overlooked issue is something Yeager calls the “Due Diligence Mess.”
Yeager, says the problem is the antiquated way due diligence is performed for investors.
“The financial crimes of the past year will continue to occur unless radical changes are made in the due diligence process,” states Yeager. “Due diligence must be performed as a criminal investigation not just a financial assessment.”
Based on his experience performing over 200 financial investigations, he believes that the focus must be on the ethics of the people operating the organization the investor will be placing their money into.
“Due diligence is about assessing a person’s credibility” states Yeager, “and people assessment has and always will be the domain of forensic psychology. Look at the amount of negative information that reporters have discovered about Madoff over the past few months. Information that provides a specific psychological profile of him, showing a lifelong pattern of narcissistic and unethical behavior.”
Yeager lays out a plan of action to prevent investor fraud with his article, “The Due Diligence Mess: 3 Reasons Why Ponzi Schemes and Investor Fraud Will Continue”.
“People have become accustom to using forensic accountants,” states Yeager. “But they need to become accustom to using that process in accessing behavior and personal ethics.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing After the "Year of the Ponzi Scheme"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing After the "Year of the Ponzi Scheme"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 323-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 323-revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-02 18:38:26
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-03 02:38:26
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/323-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/323-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 325
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 325
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-02 18:39:26
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-03 02:39:26
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Wall Street Journal called 2009, "The Year of the Ponzi Scheme." Many people heard of the term "Ponzi Scheme" for the first time only because of the size of Bernard Madoff's deal: $50 billion. Sadly with interest rates near zero, many retired people look at high returns delivered by such schemes and get sucked in with their life savings.
Someone commented on this article with an article about the change in Due Dilegence. The implication of this comment would be that financial advisors need to investigate the ethics and integrity of the managers of recommended investments. Don't just look at returns, look at WHO is generating those returns. Can this be done? Should you be held to this standard? Time will tell if the Ponzi Schemes of 2009 lead to regulatory changes in 2010.
The Year of the Ponzi Scheme
If you weren’t familiar with the name “Ponzi” last year, you sure learned it quickly this year, along with the names “Madoff,” “Dreier,” “Petters,” and all the others who followed in the footsteps of the notorious fraudster Charles Ponzi.
That’s because, as the Associated Press reports , the number of Ponzi schemes that came to light in the U.S. has nearly quadrupled in the last year. The schemes, in which perpetrators lure investors with promises of high returns and use new investors’ cash to pay the old ones (and, of course, grab cash for themselves), topped 150 this year, compared to about 40 last year.
As a result, the AP says “tens of thousands of investors” lost more than $16.5 billion this year. That figure doesn’t include the $19.4 billion that Bernard Madoff is estimated to have bilked his investors out of in the largest Ponzi scheme ever, because Madoff was arrested in December 2008.
The AP’s review of federal and state criminal cases found that amid the recession and heightened public awareness of Ponzi schemes, the federal government stepped up its pursuit of suspected fraudsters. The Federal Bureau of Investigation launched more than 2,100 probes into securities fraud, up from last year’s 1,750 investigations, and it increased by one-third the number of agents working on high-yield investment fraud cases. And the Securities and Exchange Commission issued 82% more restraining orders and devoted more of its workload to investigating potential scams.
Source: http://blogs.wsj.com/bankruptcy/2009/12/29/the-year-of-the-ponzi-scheme/
NATIONAL BUSINESS MEDIA NOT COVERING TRUE REASONS FOR INVESTOR FRAUD SCANDALS
Dale Yeager a nationally known criminal analyst says that news coverage of the recent investor scandals is missing a critical aspect of these crimes. This overlooked issue is something Yeager calls the “Due Diligence Mess.”
Yeager, says the problem is the antiquated way due diligence is performed for investors.
“The financial crimes of the past year will continue to occur unless radical changes are made in the due diligence process,” states Yeager. “Due diligence must be performed as a criminal investigation not just a financial assessment.”
Based on his experience performing over 200 financial investigations, he believes that the focus must be on the ethics of the people operating the organization the investor will be placing their money into.
“Due diligence is about assessing a person’s credibility” states Yeager, “and people assessment has and always will be the domain of forensic psychology. Look at the amount of negative information that reporters have discovered about Madoff over the past few months. Information that provides a specific psychological profile of him, showing a lifelong pattern of narcissistic and unethical behavior.”
Yeager lays out a plan of action to prevent investor fraud with his article, “The Due Diligence Mess: 3 Reasons Why Ponzi Schemes and Investor Fraud Will Continue”.
“People have become accustom to using forensic accountants,” states Yeager. “But they need to become accustom to using that process in accessing behavior and personal ethics.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Wall Street Journal called 2009, "The Year of the Ponzi Scheme." Many people heard of the term "Ponzi Scheme" for the first time only because of the size of Bernard Madoff's deal: $50 billion. Sadly with interest rates near zero, many retired people look at high returns delivered by such schemes and get sucked in with their life savings.
Someone commented on this article with an article about the change in Due Dilegence. The implication of this comment would be that financial advisors need to investigate the ethics and integrity of the managers of recommended investments. Don't just look at returns, look at WHO is generating those returns. Can this be done? Should you be held to this standard? Time will tell if the Ponzi Schemes of 2009 lead to regulatory changes in 2010.
The Year of the Ponzi Scheme
If you weren’t familiar with the name “Ponzi” last year, you sure learned it quickly this year, along with the names “Madoff,” “Dreier,” “Petters,” and all the others who followed in the footsteps of the notorious fraudster Charles Ponzi.
That’s because, as the Associated Press reports , the number of Ponzi schemes that came to light in the U.S. has nearly quadrupled in the last year. The schemes, in which perpetrators lure investors with promises of high returns and use new investors’ cash to pay the old ones (and, of course, grab cash for themselves), topped 150 this year, compared to about 40 last year.
As a result, the AP says “tens of thousands of investors” lost more than $16.5 billion this year. That figure doesn’t include the $19.4 billion that Bernard Madoff is estimated to have bilked his investors out of in the largest Ponzi scheme ever, because Madoff was arrested in December 2008.
The AP’s review of federal and state criminal cases found that amid the recession and heightened public awareness of Ponzi schemes, the federal government stepped up its pursuit of suspected fraudsters. The Federal Bureau of Investigation launched more than 2,100 probes into securities fraud, up from last year’s 1,750 investigations, and it increased by one-third the number of agents working on high-yield investment fraud cases. And the Securities and Exchange Commission issued 82% more restraining orders and devoted more of its workload to investigating potential scams.
Source: http://blogs.wsj.com/bankruptcy/2009/12/29/the-year-of-the-ponzi-scheme/
NATIONAL BUSINESS MEDIA NOT COVERING TRUE REASONS FOR INVESTOR FRAUD SCANDALS
Dale Yeager a nationally known criminal analyst says that news coverage of the recent investor scandals is missing a critical aspect of these crimes. This overlooked issue is something Yeager calls the “Due Diligence Mess.”
Yeager, says the problem is the antiquated way due diligence is performed for investors.
“The financial crimes of the past year will continue to occur unless radical changes are made in the due diligence process,” states Yeager. “Due diligence must be performed as a criminal investigation not just a financial assessment.”
Based on his experience performing over 200 financial investigations, he believes that the focus must be on the ethics of the people operating the organization the investor will be placing their money into.
“Due diligence is about assessing a person’s credibility” states Yeager, “and people assessment has and always will be the domain of forensic psychology. Look at the amount of negative information that reporters have discovered about Madoff over the past few months. Information that provides a specific psychological profile of him, showing a lifelong pattern of narcissistic and unethical behavior.”
Yeager lays out a plan of action to prevent investor fraud with his article, “The Due Diligence Mess: 3 Reasons Why Ponzi Schemes and Investor Fraud Will Continue”.
“People have become accustom to using forensic accountants,” states Yeager. “But they need to become accustom to using that process in accessing behavior and personal ethics.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing After the "Year of the Ponzi Scheme"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing After the "Year of the Ponzi Scheme"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 323-revision-2
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-02 18:39:26
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-03 02:39:26
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 323
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/323-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/323-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Madoff2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Madoff2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: madoff2
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 323
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/Madoff2.png
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/Madoff2.png
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: attachment
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-03 02:39:49
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Wall Street Journal called 2009, "The Year of the Ponzi Scheme." Many people heard of the term "Ponzi Scheme" for the first time only because of the size of Bernard Madoff's deal: $50 billion. Sadly with interest rates near zero, many retired people look at high returns delivered by such schemes and get sucked in with their life savings.
Someone commented on this article with an article about the change in Due Dilegence. The implication of this comment would be that financial advisors need to investigate the ethics and integrity of the managers of recommended investments. Don't just look at returns, look at WHO is generating those returns. Can this be done? Should you be held to this standard? Time will tell if the Ponzi Schemes of 2009 lead to regulatory changes in 2010.
The Year of the Ponzi Scheme
If you weren’t familiar with the name “Ponzi” last year, you sure learned it quickly this year, along with the names “Madoff,” “Dreier,” “Petters,” and all the others who followed in the footsteps of the notorious fraudster Charles Ponzi.
That’s because, as the Associated Press reports , the number of Ponzi schemes that came to light in the U.S. has nearly quadrupled in the last year. The schemes, in which perpetrators lure investors with promises of high returns and use new investors’ cash to pay the old ones (and, of course, grab cash for themselves), topped 150 this year, compared to about 40 last year.
As a result, the AP says “tens of thousands of investors” lost more than $16.5 billion this year. That figure doesn’t include the $19.4 billion that Bernard Madoff is estimated to have bilked his investors out of in the largest Ponzi scheme ever, because Madoff was arrested in December 2008.
The AP’s review of federal and state criminal cases found that amid the recession and heightened public awareness of Ponzi schemes, the federal government stepped up its pursuit of suspected fraudsters. The Federal Bureau of Investigation launched more than 2,100 probes into securities fraud, up from last year’s 1,750 investigations, and it increased by one-third the number of agents working on high-yield investment fraud cases. And the Securities and Exchange Commission issued 82% more restraining orders and devoted more of its workload to investigating potential scams.
Source: http://blogs.wsj.com/bankruptcy/2009/12/29/the-year-of-the-ponzi-scheme/
NATIONAL BUSINESS MEDIA NOT COVERING TRUE REASONS FOR INVESTOR FRAUD SCANDALS
Dale Yeager a nationally known criminal analyst says that news coverage of the recent investor scandals is missing a critical aspect of these crimes. This overlooked issue is something Yeager calls the “Due Diligence Mess.”
Yeager, says the problem is the antiquated way due diligence is performed for investors.
“The financial crimes of the past year will continue to occur unless radical changes are made in the due diligence process,” states Yeager. “Due diligence must be performed as a criminal investigation not just a financial assessment.”
Based on his experience performing over 200 financial investigations, he believes that the focus must be on the ethics of the people operating the organization the investor will be placing their money into.
“Due diligence is about assessing a person’s credibility” states Yeager, “and people assessment has and always will be the domain of forensic psychology. Look at the amount of negative information that reporters have discovered about Madoff over the past few months. Information that provides a specific psychological profile of him, showing a lifelong pattern of narcissistic and unethical behavior.”
Yeager lays out a plan of action to prevent investor fraud with his article, “The Due Diligence Mess: 3 Reasons Why Ponzi Schemes and Investor Fraud Will Continue”.
“People have become accustom to using forensic accountants,” states Yeager. “But they need to become accustom to using that process in accessing behavior and personal ethics.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Wall Street Journal called 2009, "The Year of the Ponzi Scheme." Many people heard of the term "Ponzi Scheme" for the first time only because of the size of Bernard Madoff's deal: $50 billion. Sadly with interest rates near zero, many retired people look at high returns delivered by such schemes and get sucked in with their life savings.
Someone commented on this article with an article about the change in Due Dilegence. The implication of this comment would be that financial advisors need to investigate the ethics and integrity of the managers of recommended investments. Don't just look at returns, look at WHO is generating those returns. Can this be done? Should you be held to this standard? Time will tell if the Ponzi Schemes of 2009 lead to regulatory changes in 2010.
The Year of the Ponzi Scheme
If you weren’t familiar with the name “Ponzi” last year, you sure learned it quickly this year, along with the names “Madoff,” “Dreier,” “Petters,” and all the others who followed in the footsteps of the notorious fraudster Charles Ponzi.
That’s because, as the Associated Press reports , the number of Ponzi schemes that came to light in the U.S. has nearly quadrupled in the last year. The schemes, in which perpetrators lure investors with promises of high returns and use new investors’ cash to pay the old ones (and, of course, grab cash for themselves), topped 150 this year, compared to about 40 last year.
As a result, the AP says “tens of thousands of investors” lost more than $16.5 billion this year. That figure doesn’t include the $19.4 billion that Bernard Madoff is estimated to have bilked his investors out of in the largest Ponzi scheme ever, because Madoff was arrested in December 2008.
The AP’s review of federal and state criminal cases found that amid the recession and heightened public awareness of Ponzi schemes, the federal government stepped up its pursuit of suspected fraudsters. The Federal Bureau of Investigation launched more than 2,100 probes into securities fraud, up from last year’s 1,750 investigations, and it increased by one-third the number of agents working on high-yield investment fraud cases. And the Securities and Exchange Commission issued 82% more restraining orders and devoted more of its workload to investigating potential scams.
Source: http://blogs.wsj.com/bankruptcy/2009/12/29/the-year-of-the-ponzi-scheme/
NATIONAL BUSINESS MEDIA NOT COVERING TRUE REASONS FOR INVESTOR FRAUD SCANDALS
Dale Yeager a nationally known criminal analyst says that news coverage of the recent investor scandals is missing a critical aspect of these crimes. This overlooked issue is something Yeager calls the “Due Diligence Mess.”
Yeager, says the problem is the antiquated way due diligence is performed for investors.
“The financial crimes of the past year will continue to occur unless radical changes are made in the due diligence process,” states Yeager. “Due diligence must be performed as a criminal investigation not just a financial assessment.”
Based on his experience performing over 200 financial investigations, he believes that the focus must be on the ethics of the people operating the organization the investor will be placing their money into.
“Due diligence is about assessing a person’s credibility” states Yeager, “and people assessment has and always will be the domain of forensic psychology. Look at the amount of negative information that reporters have discovered about Madoff over the past few months. Information that provides a specific psychological profile of him, showing a lifelong pattern of narcissistic and unethical behavior.”
Yeager lays out a plan of action to prevent investor fraud with his article, “The Due Diligence Mess: 3 Reasons Why Ponzi Schemes and Investor Fraud Will Continue”.
“People have become accustom to using forensic accountants,” states Yeager. “But they need to become accustom to using that process in accessing behavior and personal ethics.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing After the "Year of the Ponzi Scheme"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing After the "Year of the Ponzi Scheme"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 323-revision-3
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/323-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/323-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-03 02:56:55
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-03 02:56:55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Year of the Ponzi Scheme
If you weren’t familiar with the name “Ponzi” last year, you sure learned it quickly this year, along with the names “Madoff,” “Dreier,” “Petters,” and all the others who followed in the footsteps of the notorious fraudster Charles Ponzi.
That’s because, as the Associated Press reports , the number of Ponzi schemes that came to light in the U.S. has nearly quadrupled in the last year. The schemes, in which perpetrators lure investors with promises of high returns and use new investors’ cash to pay the old ones (and, of course, grab cash for themselves), topped 150 this year, compared to about 40 last year.
As a result, the AP says “tens of thousands of investors” lost more than $16.5 billion this year. That figure doesn’t include the $19.4 billion that Bernard Madoff is estimated to have bilked his investors out of in the largest Ponzi scheme ever, because Madoff was arrested in December 2008.
The AP’s review of federal and state criminal cases found that amid the recession and heightened public awareness of Ponzi schemes, the federal government stepped up its pursuit of suspected fraudsters. The Federal Bureau of Investigation launched more than 2,100 probes into securities fraud, up from last year’s 1,750 investigations, and it increased by one-third the number of agents working on high-yield investment fraud cases. And the Securities and Exchange Commission issued 82% more restraining orders and devoted more of its workload to investigating potential scams.
Source: http://blogs.wsj.com/bankruptcy/2009/12/29/the-year-of-the-ponzi-scheme/
NATIONAL BUSINESS MEDIA NOT COVERING TRUE REASONS FOR INVESTOR FRAUD SCANDALS
Dale Yeager a nationally known criminal analyst says that news coverage of the recent investor scandals is missing a critical aspect of these crimes. This overlooked issue is something Yeager calls the “Due Diligence Mess.”
Yeager, says the problem is the antiquated way due diligence is performed for investors.
“The financial crimes of the past year will continue to occur unless radical changes are made in the due diligence process,” states Yeager. “Due diligence must be performed as a criminal investigation not just a financial assessment.”
Based on his experience performing over 200 financial investigations, he believes that the focus must be on the ethics of the people operating the organization the investor will be placing their money into.
“Due diligence is about assessing a person’s credibility” states Yeager, “and people assessment has and always will be the domain of forensic psychology. Look at the amount of negative information that reporters have discovered about Madoff over the past few months. Information that provides a specific psychological profile of him, showing a lifelong pattern of narcissistic and unethical behavior.”
Yeager lays out a plan of action to prevent investor fraud with his article, “The Due Diligence Mess: 3 Reasons Why Ponzi Schemes and Investor Fraud Will Continue”.
“People have become accustom to using forensic accountants,” states Yeager. “But they need to become accustom to using that process in accessing behavior and personal ethics.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Year of the Ponzi Scheme
If you weren’t familiar with the name “Ponzi” last year, you sure learned it quickly this year, along with the names “Madoff,” “Dreier,” “Petters,” and all the others who followed in the footsteps of the notorious fraudster Charles Ponzi.
That’s because, as the Associated Press reports , the number of Ponzi schemes that came to light in the U.S. has nearly quadrupled in the last year. The schemes, in which perpetrators lure investors with promises of high returns and use new investors’ cash to pay the old ones (and, of course, grab cash for themselves), topped 150 this year, compared to about 40 last year.
As a result, the AP says “tens of thousands of investors” lost more than $16.5 billion this year. That figure doesn’t include the $19.4 billion that Bernard Madoff is estimated to have bilked his investors out of in the largest Ponzi scheme ever, because Madoff was arrested in December 2008.
The AP’s review of federal and state criminal cases found that amid the recession and heightened public awareness of Ponzi schemes, the federal government stepped up its pursuit of suspected fraudsters. The Federal Bureau of Investigation launched more than 2,100 probes into securities fraud, up from last year’s 1,750 investigations, and it increased by one-third the number of agents working on high-yield investment fraud cases. And the Securities and Exchange Commission issued 82% more restraining orders and devoted more of its workload to investigating potential scams.
Source: http://blogs.wsj.com/bankruptcy/2009/12/29/the-year-of-the-ponzi-scheme/
NATIONAL BUSINESS MEDIA NOT COVERING TRUE REASONS FOR INVESTOR FRAUD SCANDALS
Dale Yeager a nationally known criminal analyst says that news coverage of the recent investor scandals is missing a critical aspect of these crimes. This overlooked issue is something Yeager calls the “Due Diligence Mess.”
Yeager, says the problem is the antiquated way due diligence is performed for investors.
“The financial crimes of the past year will continue to occur unless radical changes are made in the due diligence process,” states Yeager. “Due diligence must be performed as a criminal investigation not just a financial assessment.”
Based on his experience performing over 200 financial investigations, he believes that the focus must be on the ethics of the people operating the organization the investor will be placing their money into.
“Due diligence is about assessing a person’s credibility” states Yeager, “and people assessment has and always will be the domain of forensic psychology. Look at the amount of negative information that reporters have discovered about Madoff over the past few months. Information that provides a specific psychological profile of him, showing a lifelong pattern of narcissistic and unethical behavior.”
Yeager lays out a plan of action to prevent investor fraud with his article, “The Due Diligence Mess: 3 Reasons Why Ponzi Schemes and Investor Fraud Will Continue”.
“People have become accustom to using forensic accountants,” states Yeager. “But they need to become accustom to using that process in accessing behavior and personal ethics.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing After the "Year of the Ponzi Scheme"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing After the "Year of the Ponzi Scheme"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 323-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 323-revision-4
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-02 18:56:55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-03 02:56:55
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/323-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/323-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-02 18:57:34
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-03 02:57:34
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-03 02:57:34
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Year of the Ponzi Scheme
If you weren’t familiar with the name “Ponzi” last year, you sure learned it quickly this year, along with the names “Madoff,” “Dreier,” “Petters,” and all the others who followed in the footsteps of the notorious fraudster Charles Ponzi.
That’s because, as the Associated Press reports , the number of Ponzi schemes that came to light in the U.S. has nearly quadrupled in the last year. The schemes, in which perpetrators lure investors with promises of high returns and use new investors’ cash to pay the old ones (and, of course, grab cash for themselves), topped 150 this year, compared to about 40 last year.
As a result, the AP says “tens of thousands of investors” lost more than $16.5 billion this year. That figure doesn’t include the $19.4 billion that Bernard Madoff is estimated to have bilked his investors out of in the largest Ponzi scheme ever, because Madoff was arrested in December 2008.
The AP’s review of federal and state criminal cases found that amid the recession and heightened public awareness of Ponzi schemes, the federal government stepped up its pursuit of suspected fraudsters. The Federal Bureau of Investigation launched more than 2,100 probes into securities fraud, up from last year’s 1,750 investigations, and it increased by one-third the number of agents working on high-yield investment fraud cases. And the Securities and Exchange Commission issued 82% more restraining orders and devoted more of its workload to investigating potential scams.
Source: http://blogs.wsj.com/bankruptcy/2009/12/29/the-year-of-the-ponzi-scheme/
NATIONAL BUSINESS MEDIA NOT COVERING TRUE REASONS FOR INVESTOR FRAUD SCANDALS
Dale Yeager a nationally known criminal analyst says that news coverage of the recent investor scandals is missing a critical aspect of these crimes. This overlooked issue is something Yeager calls the “Due Diligence Mess.”
Yeager, says the problem is the antiquated way due diligence is performed for investors.
“The financial crimes of the past year will continue to occur unless radical changes are made in the due diligence process,” states Yeager. “Due diligence must be performed as a criminal investigation not just a financial assessment.”
Based on his experience performing over 200 financial investigations, he believes that the focus must be on the ethics of the people operating the organization the investor will be placing their money into.
“Due diligence is about assessing a person’s credibility” states Yeager, “and people assessment has and always will be the domain of forensic psychology. Look at the amount of negative information that reporters have discovered about Madoff over the past few months. Information that provides a specific psychological profile of him, showing a lifelong pattern of narcissistic and unethical behavior.”
Yeager lays out a plan of action to prevent investor fraud with his article, “The Due Diligence Mess: 3 Reasons Why Ponzi Schemes and Investor Fraud Will Continue”.
“People have become accustom to using forensic accountants,” states Yeager. “But they need to become accustom to using that process in accessing behavior and personal ethics.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Year of the Ponzi Scheme
If you weren’t familiar with the name “Ponzi” last year, you sure learned it quickly this year, along with the names “Madoff,” “Dreier,” “Petters,” and all the others who followed in the footsteps of the notorious fraudster Charles Ponzi.
That’s because, as the Associated Press reports , the number of Ponzi schemes that came to light in the U.S. has nearly quadrupled in the last year. The schemes, in which perpetrators lure investors with promises of high returns and use new investors’ cash to pay the old ones (and, of course, grab cash for themselves), topped 150 this year, compared to about 40 last year.
As a result, the AP says “tens of thousands of investors” lost more than $16.5 billion this year. That figure doesn’t include the $19.4 billion that Bernard Madoff is estimated to have bilked his investors out of in the largest Ponzi scheme ever, because Madoff was arrested in December 2008.
The AP’s review of federal and state criminal cases found that amid the recession and heightened public awareness of Ponzi schemes, the federal government stepped up its pursuit of suspected fraudsters. The Federal Bureau of Investigation launched more than 2,100 probes into securities fraud, up from last year’s 1,750 investigations, and it increased by one-third the number of agents working on high-yield investment fraud cases. And the Securities and Exchange Commission issued 82% more restraining orders and devoted more of its workload to investigating potential scams.
Source: http://blogs.wsj.com/bankruptcy/2009/12/29/the-year-of-the-ponzi-scheme/
NATIONAL BUSINESS MEDIA NOT COVERING TRUE REASONS FOR INVESTOR FRAUD SCANDALS
Dale Yeager a nationally known criminal analyst says that news coverage of the recent investor scandals is missing a critical aspect of these crimes. This overlooked issue is something Yeager calls the “Due Diligence Mess.”
Yeager, says the problem is the antiquated way due diligence is performed for investors.
“The financial crimes of the past year will continue to occur unless radical changes are made in the due diligence process,” states Yeager. “Due diligence must be performed as a criminal investigation not just a financial assessment.”
Based on his experience performing over 200 financial investigations, he believes that the focus must be on the ethics of the people operating the organization the investor will be placing their money into.
“Due diligence is about assessing a person’s credibility” states Yeager, “and people assessment has and always will be the domain of forensic psychology. Look at the amount of negative information that reporters have discovered about Madoff over the past few months. Information that provides a specific psychological profile of him, showing a lifelong pattern of narcissistic and unethical behavior.”
Yeager lays out a plan of action to prevent investor fraud with his article, “The Due Diligence Mess: 3 Reasons Why Ponzi Schemes and Investor Fraud Will Continue”.
“People have become accustom to using forensic accountants,” states Yeager. “But they need to become accustom to using that process in accessing behavior and personal ethics.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing After the "Year of the Ponzi Scheme"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing After the "Year of the Ponzi Scheme"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 323-revision-5
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/323-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/323-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-02 19:00:34
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-02 19:00:34
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-03 03:00:34
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Year of the Ponzi Scheme
If you weren’t familiar with the name “Ponzi” last year, you sure learned it quickly this year, along with the names “Madoff,” “Dreier,” “Petters,” and all the others who followed in the footsteps of the notorious fraudster Charles Ponzi.
That’s because, as the Associated Press reports , the number of Ponzi schemes that came to light in the U.S. has nearly quadrupled in the last year. The schemes, in which perpetrators lure investors with promises of high returns and use new investors’ cash to pay the old ones (and, of course, grab cash for themselves), topped 150 this year, compared to about 40 last year.
As a result, the AP says “tens of thousands of investors” lost more than $16.5 billion this year. That figure doesn’t include the $19.4 billion that Bernard Madoff is estimated to have bilked his investors out of in the largest Ponzi scheme ever, because Madoff was arrested in December 2008.
The AP’s review of federal and state criminal cases found that amid the recession and heightened public awareness of Ponzi schemes, the federal government stepped up its pursuit of suspected fraudsters. The Federal Bureau of Investigation launched more than 2,100 probes into securities fraud, up from last year’s 1,750 investigations, and it increased by one-third the number of agents working on high-yield investment fraud cases. And the Securities and Exchange Commission issued 82% more restraining orders and devoted more of its workload to investigating potential scams.
Source: http://blogs.wsj.com/bankruptcy/2009/12/29/the-year-of-the-ponzi-scheme/
NATIONAL BUSINESS MEDIA NOT COVERING TRUE REASONS FOR INVESTOR FRAUD SCANDALS
Dale Yeager a nationally known criminal analyst says that news coverage of the recent investor scandals is missing a critical aspect of these crimes. This overlooked issue is something Yeager calls the “Due Diligence Mess.”
Yeager, says the problem is the antiquated way due diligence is performed for investors.
“The financial crimes of the past year will continue to occur unless radical changes are made in the due diligence process,” states Yeager. “Due diligence must be performed as a criminal investigation not just a financial assessment.”
Based on his experience performing over 200 financial investigations, he believes that the focus must be on the ethics of the people operating the organization the investor will be placing their money into.
“Due diligence is about assessing a person’s credibility” states Yeager, “and people assessment has and always will be the domain of forensic psychology. Look at the amount of negative information that reporters have discovered about Madoff over the past few months. Information that provides a specific psychological profile of him, showing a lifelong pattern of narcissistic and unethical behavior.”
Yeager lays out a plan of action to prevent investor fraud with his article, “The Due Diligence Mess: 3 Reasons Why Ponzi Schemes and Investor Fraud Will Continue”.
“People have become accustom to using forensic accountants,” states Yeager. “But they need to become accustom to using that process in accessing behavior and personal ethics.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Year of the Ponzi Scheme
If you weren’t familiar with the name “Ponzi” last year, you sure learned it quickly this year, along with the names “Madoff,” “Dreier,” “Petters,” and all the others who followed in the footsteps of the notorious fraudster Charles Ponzi.
That’s because, as the Associated Press reports , the number of Ponzi schemes that came to light in the U.S. has nearly quadrupled in the last year. The schemes, in which perpetrators lure investors with promises of high returns and use new investors’ cash to pay the old ones (and, of course, grab cash for themselves), topped 150 this year, compared to about 40 last year.
As a result, the AP says “tens of thousands of investors” lost more than $16.5 billion this year. That figure doesn’t include the $19.4 billion that Bernard Madoff is estimated to have bilked his investors out of in the largest Ponzi scheme ever, because Madoff was arrested in December 2008.
The AP’s review of federal and state criminal cases found that amid the recession and heightened public awareness of Ponzi schemes, the federal government stepped up its pursuit of suspected fraudsters. The Federal Bureau of Investigation launched more than 2,100 probes into securities fraud, up from last year’s 1,750 investigations, and it increased by one-third the number of agents working on high-yield investment fraud cases. And the Securities and Exchange Commission issued 82% more restraining orders and devoted more of its workload to investigating potential scams.
Source: http://blogs.wsj.com/bankruptcy/2009/12/29/the-year-of-the-ponzi-scheme/
NATIONAL BUSINESS MEDIA NOT COVERING TRUE REASONS FOR INVESTOR FRAUD SCANDALS
Dale Yeager a nationally known criminal analyst says that news coverage of the recent investor scandals is missing a critical aspect of these crimes. This overlooked issue is something Yeager calls the “Due Diligence Mess.”
Yeager, says the problem is the antiquated way due diligence is performed for investors.
“The financial crimes of the past year will continue to occur unless radical changes are made in the due diligence process,” states Yeager. “Due diligence must be performed as a criminal investigation not just a financial assessment.”
Based on his experience performing over 200 financial investigations, he believes that the focus must be on the ethics of the people operating the organization the investor will be placing their money into.
“Due diligence is about assessing a person’s credibility” states Yeager, “and people assessment has and always will be the domain of forensic psychology. Look at the amount of negative information that reporters have discovered about Madoff over the past few months. Information that provides a specific psychological profile of him, showing a lifelong pattern of narcissistic and unethical behavior.”
Yeager lays out a plan of action to prevent investor fraud with his article, “The Due Diligence Mess: 3 Reasons Why Ponzi Schemes and Investor Fraud Will Continue”.
“People have become accustom to using forensic accountants,” states Yeager. “But they need to become accustom to using that process in accessing behavior and personal ethics.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing After the "Year of the Ponzi Scheme"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing After the "Year of the Ponzi Scheme"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 323-autosave
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/323-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/323-autosave/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Do you normally see the glass as half empty or half full? I've always been a "half-full" kind of guy even when the glass is maybe 1/8 full. I just don't see the 7/8 empty and just charge ahead undaunted!
It doesn't take a Wall Street Analyst to see the past decade was a downer for most Americans. The joke about the 401k becoming a 201k is sad/funny just because it's true for so many people. Of course, the joke should be modified a bit because with 2009 stock market bounce many people now have 301k's!
Why is this an opportunity for independent financial advisors?
Because many folks tried a "do-it-yourself" approach to retirement planning and investments and came up short over the past 10 years. Their goal of retirement got pushed out so they know they need to do better and soon. Your task? Let them know independent, objective and well-informed advice can help them reach their financial goals.
So read this article from The Daily Reckoning knowing that plenty of folks in your city need your help to reach their financial goals. Your job is to attract their attention, let them know what makes you different and how that can help them, and then get to work helping them.
The Lost Decade
By Ian Mathias
01/04/10 Baltimore, Maryland – Before we dive into 2010, let’s close the books on the last 10 years — that decade of reckoning. We noted before Christmas that, as we forecast long ago, the major stock indexes were a bust for the decade. But check this out… Were the last 10 years a wash for the whole economy?
So what’s the term for 10 years of no growth in jobs, the slowest GDP growth in 70 years and a 4% fall in inflation-adjusted net worth? Dormancy? Depression? Whatever it is… ouch.
“Historically, downturns have been enormously creative times technologically,” notes Patrick Cox, our tech analyst. “Our current economic mess will be no exception. Economic pressures are forcing reassessments and hard, creative choices. The result will be an explosion of breakthrough technologies. Nobel laureate economist Gary Becker is just one of those studying business cycles who predicts that the recovery from our current mess will be unparalleled and spectacular…
“In the early 1400s, German goldsmith Johannes Gutenberg invented the movable-type printing press. This invention did far more than facilitate book production and increase the availability of knowledge. It started an information technology (IT) revolution that continues to accelerate even today.
“In Gutenberg’s era, his advances in lithography not only increased access to the world’s greatest thinkers. They also put practical business and technical knowledge in the hands of commoners. This seemingly insignificant invention smashed monopolies of thought and political power. The result was exponential growth in science, technology and democratic ideals. The Renaissance and the Enlightenment followed, on up to our present era.
“We’ve already seen a series of printed circuit lithography technologies revolutionize the electronics industry. Every electronic device you own — from your television to your mobile phone — contains a lithographically printed circuit board of one form or another. Like many of the transformational technologies of the last century, it was invented during the Great Depression. The timing was not a fluke.”
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Do you normally see the glass as half empty or half full? I've always been a "half-full" kind of guy even when the glass is maybe 1/8 full. I just don't see the 7/8 empty and just charge ahead undaunted!
It doesn't take a Wall Street Analyst to see the past decade was a downer for most Americans. The joke about the 401k becoming a 201k is sad/funny just because it's true for so many people. Of course, the joke should be modified a bit because with 2009 stock market bounce many people now have 301k's!
Why is this an opportunity for independent financial advisors?
Because many folks tried a "do-it-yourself" approach to retirement planning and investments and came up short over the past 10 years. Their goal of retirement got pushed out so they know they need to do better and soon. Your task? Let them know independent, objective and well-informed advice can help them reach their financial goals.
So read this article from The Daily Reckoning knowing that plenty of folks in your city need your help to reach their financial goals. Your job is to attract their attention, let them know what makes you different and how that can help them, and then get to work helping them.
The Lost Decade
By Ian Mathias
01/04/10 Baltimore, Maryland – Before we dive into 2010, let’s close the books on the last 10 years — that decade of reckoning. We noted before Christmas that, as we forecast long ago, the major stock indexes were a bust for the decade. But check this out… Were the last 10 years a wash for the whole economy?
So what’s the term for 10 years of no growth in jobs, the slowest GDP growth in 70 years and a 4% fall in inflation-adjusted net worth? Dormancy? Depression? Whatever it is… ouch.
“Historically, downturns have been enormously creative times technologically,” notes Patrick Cox, our tech analyst. “Our current economic mess will be no exception. Economic pressures are forcing reassessments and hard, creative choices. The result will be an explosion of breakthrough technologies. Nobel laureate economist Gary Becker is just one of those studying business cycles who predicts that the recovery from our current mess will be unparalleled and spectacular…
“In the early 1400s, German goldsmith Johannes Gutenberg invented the movable-type printing press. This invention did far more than facilitate book production and increase the availability of knowledge. It started an information technology (IT) revolution that continues to accelerate even today.
“In Gutenberg’s era, his advances in lithography not only increased access to the world’s greatest thinkers. They also put practical business and technical knowledge in the hands of commoners. This seemingly insignificant invention smashed monopolies of thought and political power. The result was exponential growth in science, technology and democratic ideals. The Renaissance and the Enlightenment followed, on up to our present era.
“We’ve already seen a series of printed circuit lithography technologies revolutionize the electronics industry. Every electronic device you own — from your television to your mobile phone — contains a lithographically printed circuit board of one form or another. Like many of the transformational technologies of the last century, it was invented during the Great Depression. The timing was not a fluke.”
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Why "The Lost Decade" is Good News for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Why "The Lost Decade" is Good News for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: lost-decade-good-news-financial-advisors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: lost-decade-good-news-financial-advisors
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 12:25:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 12:25:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 20:25:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 20:25:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: post
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 332
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 332
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 12:10:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 12:10:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 20:10:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 20:10:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Do you normally see the glass as half empty or half full? I've always been a "half-full" kind of guy even when the glass is maybe 1/8 full. I just don't see the 7/8 empty and just charge ahead undaunted.
It doesn't take a Wall Street Analyst to see the past decade was a downer for most Americans. The joke about the 401k becoming a 201k is sad/funny just because it's true for so many people. Of course, the joke should be modified a bit because with 2009 stock market bounce most people now have 301k's!
Why is this an opportunity for independent financial advisors?
Because many folks tried a "do-it-yourself" approach to retirement planning and investments and came up short over the past 10 years. Their goal of retirement got pushed out so they know they need to do better and soon. Your task is to let them know independent and objective advice can help them reach their financial goals.
So read this article from The Daily Reckoning knowing that plenty of folks in your city need your help to reach their financial goals.
The Lost Decade
By Ian Mathias
01/04/10 Baltimore, Maryland – Before we dive into 2010, let’s close the books on the last 10 years — that decade of reckoning. We noted before Christmas that, as we forecast long ago, the major stock indexes were a bust for the decade. But check this out… Were the last 10 years a wash for the whole economy?
So what’s the term for 10 years of no growth in jobs, the slowest GDP growth in 70 years and a 4% fall in inflation-adjusted net worth? Dormancy? Depression? Whatever it is… ouch.
“Historically, downturns have been enormously creative times technologically,” notes Patrick Cox, our tech analyst. “Our current economic mess will be no exception. Economic pressures are forcing reassessments and hard, creative choices. The result will be an explosion of breakthrough technologies. Nobel laureate economist Gary Becker is just one of those studying business cycles who predicts that the recovery from our current mess will be unparalleled and spectacular…
“In the early 1400s, German goldsmith Johannes Gutenberg invented the movable-type printing press. This invention did far more than facilitate book production and increase the availability of knowledge. It started an information technology (IT) revolution that continues to accelerate even today.
“In Gutenberg’s era, his advances in lithography not only increased access to the world’s greatest thinkers. They also put practical business and technical knowledge in the hands of commoners. This seemingly insignificant invention smashed monopolies of thought and political power. The result was exponential growth in science, technology and democratic ideals. The Renaissance and the Enlightenment followed, on up to our present era.
“We’ve already seen a series of printed circuit lithography technologies revolutionize the electronics industry. Every electronic device you own — from your television to your mobile phone — contains a lithographically printed circuit board of one form or another. Like many of the transformational technologies of the last century, it was invented during the Great Depression. The timing was not a fluke.”
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Do you normally see the glass as half empty or half full? I've always been a "half-full" kind of guy even when the glass is maybe 1/8 full. I just don't see the 7/8 empty and just charge ahead undaunted.
It doesn't take a Wall Street Analyst to see the past decade was a downer for most Americans. The joke about the 401k becoming a 201k is sad/funny just because it's true for so many people. Of course, the joke should be modified a bit because with 2009 stock market bounce most people now have 301k's!
Why is this an opportunity for independent financial advisors?
Because many folks tried a "do-it-yourself" approach to retirement planning and investments and came up short over the past 10 years. Their goal of retirement got pushed out so they know they need to do better and soon. Your task is to let them know independent and objective advice can help them reach their financial goals.
So read this article from The Daily Reckoning knowing that plenty of folks in your city need your help to reach their financial goals.
The Lost Decade
By Ian Mathias
01/04/10 Baltimore, Maryland – Before we dive into 2010, let’s close the books on the last 10 years — that decade of reckoning. We noted before Christmas that, as we forecast long ago, the major stock indexes were a bust for the decade. But check this out… Were the last 10 years a wash for the whole economy?
So what’s the term for 10 years of no growth in jobs, the slowest GDP growth in 70 years and a 4% fall in inflation-adjusted net worth? Dormancy? Depression? Whatever it is… ouch.
“Historically, downturns have been enormously creative times technologically,” notes Patrick Cox, our tech analyst. “Our current economic mess will be no exception. Economic pressures are forcing reassessments and hard, creative choices. The result will be an explosion of breakthrough technologies. Nobel laureate economist Gary Becker is just one of those studying business cycles who predicts that the recovery from our current mess will be unparalleled and spectacular…
“In the early 1400s, German goldsmith Johannes Gutenberg invented the movable-type printing press. This invention did far more than facilitate book production and increase the availability of knowledge. It started an information technology (IT) revolution that continues to accelerate even today.
“In Gutenberg’s era, his advances in lithography not only increased access to the world’s greatest thinkers. They also put practical business and technical knowledge in the hands of commoners. This seemingly insignificant invention smashed monopolies of thought and political power. The result was exponential growth in science, technology and democratic ideals. The Renaissance and the Enlightenment followed, on up to our present era.
“We’ve already seen a series of printed circuit lithography technologies revolutionize the electronics industry. Every electronic device you own — from your television to your mobile phone — contains a lithographically printed circuit board of one form or another. Like many of the transformational technologies of the last century, it was invented during the Great Depression. The timing was not a fluke.”
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Why "The Lost Decade" is Good News for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Why "The Lost Decade" is Good News for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331-revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 12:10:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 12:10:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 20:10:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 20:10:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/331-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/331-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 333
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 333
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 12:11:06
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 12:11:06
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 20:11:06
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 20:11:06
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Do you normally see the glass as half empty or half full? I've always been a "half-full" kind of guy even when the glass is maybe 1/8 full. I just don't see the 7/8 empty and just charge ahead undaunted!
It doesn't take a Wall Street Analyst to see the past decade was a downer for most Americans. The joke about the 401k becoming a 201k is sad/funny just because it's true for so many people. Of course, the joke should be modified a bit because with 2009 stock market bounce most people now have 301k's!
Why is this an opportunity for independent financial advisors?
Because many folks tried a "do-it-yourself" approach to retirement planning and investments and came up short over the past 10 years. Their goal of retirement got pushed out so they know they need to do better and soon. Your task is to let them know independent and objective advice can help them reach their financial goals.
So read this article from The Daily Reckoning knowing that plenty of folks in your city need your help to reach their financial goals.
The Lost Decade
By Ian Mathias
01/04/10 Baltimore, Maryland – Before we dive into 2010, let’s close the books on the last 10 years — that decade of reckoning. We noted before Christmas that, as we forecast long ago, the major stock indexes were a bust for the decade. But check this out… Were the last 10 years a wash for the whole economy?
So what’s the term for 10 years of no growth in jobs, the slowest GDP growth in 70 years and a 4% fall in inflation-adjusted net worth? Dormancy? Depression? Whatever it is… ouch.
“Historically, downturns have been enormously creative times technologically,” notes Patrick Cox, our tech analyst. “Our current economic mess will be no exception. Economic pressures are forcing reassessments and hard, creative choices. The result will be an explosion of breakthrough technologies. Nobel laureate economist Gary Becker is just one of those studying business cycles who predicts that the recovery from our current mess will be unparalleled and spectacular…
“In the early 1400s, German goldsmith Johannes Gutenberg invented the movable-type printing press. This invention did far more than facilitate book production and increase the availability of knowledge. It started an information technology (IT) revolution that continues to accelerate even today.
“In Gutenberg’s era, his advances in lithography not only increased access to the world’s greatest thinkers. They also put practical business and technical knowledge in the hands of commoners. This seemingly insignificant invention smashed monopolies of thought and political power. The result was exponential growth in science, technology and democratic ideals. The Renaissance and the Enlightenment followed, on up to our present era.
“We’ve already seen a series of printed circuit lithography technologies revolutionize the electronics industry. Every electronic device you own — from your television to your mobile phone — contains a lithographically printed circuit board of one form or another. Like many of the transformational technologies of the last century, it was invented during the Great Depression. The timing was not a fluke.”
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Do you normally see the glass as half empty or half full? I've always been a "half-full" kind of guy even when the glass is maybe 1/8 full. I just don't see the 7/8 empty and just charge ahead undaunted!
It doesn't take a Wall Street Analyst to see the past decade was a downer for most Americans. The joke about the 401k becoming a 201k is sad/funny just because it's true for so many people. Of course, the joke should be modified a bit because with 2009 stock market bounce most people now have 301k's!
Why is this an opportunity for independent financial advisors?
Because many folks tried a "do-it-yourself" approach to retirement planning and investments and came up short over the past 10 years. Their goal of retirement got pushed out so they know they need to do better and soon. Your task is to let them know independent and objective advice can help them reach their financial goals.
So read this article from The Daily Reckoning knowing that plenty of folks in your city need your help to reach their financial goals.
The Lost Decade
By Ian Mathias
01/04/10 Baltimore, Maryland – Before we dive into 2010, let’s close the books on the last 10 years — that decade of reckoning. We noted before Christmas that, as we forecast long ago, the major stock indexes were a bust for the decade. But check this out… Were the last 10 years a wash for the whole economy?
So what’s the term for 10 years of no growth in jobs, the slowest GDP growth in 70 years and a 4% fall in inflation-adjusted net worth? Dormancy? Depression? Whatever it is… ouch.
“Historically, downturns have been enormously creative times technologically,” notes Patrick Cox, our tech analyst. “Our current economic mess will be no exception. Economic pressures are forcing reassessments and hard, creative choices. The result will be an explosion of breakthrough technologies. Nobel laureate economist Gary Becker is just one of those studying business cycles who predicts that the recovery from our current mess will be unparalleled and spectacular…
“In the early 1400s, German goldsmith Johannes Gutenberg invented the movable-type printing press. This invention did far more than facilitate book production and increase the availability of knowledge. It started an information technology (IT) revolution that continues to accelerate even today.
“In Gutenberg’s era, his advances in lithography not only increased access to the world’s greatest thinkers. They also put practical business and technical knowledge in the hands of commoners. This seemingly insignificant invention smashed monopolies of thought and political power. The result was exponential growth in science, technology and democratic ideals. The Renaissance and the Enlightenment followed, on up to our present era.
“We’ve already seen a series of printed circuit lithography technologies revolutionize the electronics industry. Every electronic device you own — from your television to your mobile phone — contains a lithographically printed circuit board of one form or another. Like many of the transformational technologies of the last century, it was invented during the Great Depression. The timing was not a fluke.”
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Why "The Lost Decade" is Good News for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Why "The Lost Decade" is Good News for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 12:11:06
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 12:11:06
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 20:11:06
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 20:11:06
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/331-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/331-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 334
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 334
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 12:14:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 12:14:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 20:14:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 20:14:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Do you normally see the glass as half empty or half full? I've always been a "half-full" kind of guy even when the glass is maybe 1/8 full. I just don't see the 7/8 empty and just charge ahead undaunted!
It doesn't take a Wall Street Analyst to see the past decade was a downer for most Americans. The joke about the 401k becoming a 201k is sad/funny just because it's true for so many people. Of course, the joke should be modified a bit because with 2009 stock market bounce many people now have 301k's!
Why is this an opportunity for independent financial advisors?
Because many folks tried a "do-it-yourself" approach to retirement planning and investments and came up short over the past 10 years. Their goal of retirement got pushed out so they know they need to do better and soon. Your task? Let them know independent, objective and well-informed advice can help them reach their financial goals.
So read this article from The Daily Reckoning knowing that plenty of folks in your city need your help to reach their financial goals. Your job is to attract their attention, let them know what makes you different and how that can help them, and then get to work helping them.
The Lost Decade
By Ian Mathias
01/04/10 Baltimore, Maryland – Before we dive into 2010, let’s close the books on the last 10 years — that decade of reckoning. We noted before Christmas that, as we forecast long ago, the major stock indexes were a bust for the decade. But check this out… Were the last 10 years a wash for the whole economy?
So what’s the term for 10 years of no growth in jobs, the slowest GDP growth in 70 years and a 4% fall in inflation-adjusted net worth? Dormancy? Depression? Whatever it is… ouch.
“Historically, downturns have been enormously creative times technologically,” notes Patrick Cox, our tech analyst. “Our current economic mess will be no exception. Economic pressures are forcing reassessments and hard, creative choices. The result will be an explosion of breakthrough technologies. Nobel laureate economist Gary Becker is just one of those studying business cycles who predicts that the recovery from our current mess will be unparalleled and spectacular…
“In the early 1400s, German goldsmith Johannes Gutenberg invented the movable-type printing press. This invention did far more than facilitate book production and increase the availability of knowledge. It started an information technology (IT) revolution that continues to accelerate even today.
“In Gutenberg’s era, his advances in lithography not only increased access to the world’s greatest thinkers. They also put practical business and technical knowledge in the hands of commoners. This seemingly insignificant invention smashed monopolies of thought and political power. The result was exponential growth in science, technology and democratic ideals. The Renaissance and the Enlightenment followed, on up to our present era.
“We’ve already seen a series of printed circuit lithography technologies revolutionize the electronics industry. Every electronic device you own — from your television to your mobile phone — contains a lithographically printed circuit board of one form or another. Like many of the transformational technologies of the last century, it was invented during the Great Depression. The timing was not a fluke.”
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Do you normally see the glass as half empty or half full? I've always been a "half-full" kind of guy even when the glass is maybe 1/8 full. I just don't see the 7/8 empty and just charge ahead undaunted!
It doesn't take a Wall Street Analyst to see the past decade was a downer for most Americans. The joke about the 401k becoming a 201k is sad/funny just because it's true for so many people. Of course, the joke should be modified a bit because with 2009 stock market bounce many people now have 301k's!
Why is this an opportunity for independent financial advisors?
Because many folks tried a "do-it-yourself" approach to retirement planning and investments and came up short over the past 10 years. Their goal of retirement got pushed out so they know they need to do better and soon. Your task? Let them know independent, objective and well-informed advice can help them reach their financial goals.
So read this article from The Daily Reckoning knowing that plenty of folks in your city need your help to reach their financial goals. Your job is to attract their attention, let them know what makes you different and how that can help them, and then get to work helping them.
The Lost Decade
By Ian Mathias
01/04/10 Baltimore, Maryland – Before we dive into 2010, let’s close the books on the last 10 years — that decade of reckoning. We noted before Christmas that, as we forecast long ago, the major stock indexes were a bust for the decade. But check this out… Were the last 10 years a wash for the whole economy?
So what’s the term for 10 years of no growth in jobs, the slowest GDP growth in 70 years and a 4% fall in inflation-adjusted net worth? Dormancy? Depression? Whatever it is… ouch.
“Historically, downturns have been enormously creative times technologically,” notes Patrick Cox, our tech analyst. “Our current economic mess will be no exception. Economic pressures are forcing reassessments and hard, creative choices. The result will be an explosion of breakthrough technologies. Nobel laureate economist Gary Becker is just one of those studying business cycles who predicts that the recovery from our current mess will be unparalleled and spectacular…
“In the early 1400s, German goldsmith Johannes Gutenberg invented the movable-type printing press. This invention did far more than facilitate book production and increase the availability of knowledge. It started an information technology (IT) revolution that continues to accelerate even today.
“In Gutenberg’s era, his advances in lithography not only increased access to the world’s greatest thinkers. They also put practical business and technical knowledge in the hands of commoners. This seemingly insignificant invention smashed monopolies of thought and political power. The result was exponential growth in science, technology and democratic ideals. The Renaissance and the Enlightenment followed, on up to our present era.
“We’ve already seen a series of printed circuit lithography technologies revolutionize the electronics industry. Every electronic device you own — from your television to your mobile phone — contains a lithographically printed circuit board of one form or another. Like many of the transformational technologies of the last century, it was invented during the Great Depression. The timing was not a fluke.”
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Why "The Lost Decade" is Good News for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Why "The Lost Decade" is Good News for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 12:14:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 12:14:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 20:14:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 20:14:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/331-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/331-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 335
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 335
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 12:16:34
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 12:16:34
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 20:16:34
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 20:16:34
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Do you normally see the glass as half empty or half full? I've always been a "half-full" kind of guy even when the glass is maybe 1/8 full. I just don't see the 7/8 empty and just charge ahead undaunted!
It doesn't take a Wall Street Analyst to see the past decade was a downer for most Americans. The joke about the 401k becoming a 201k is sad/funny just because it's true for so many people. Of course, the joke should be modified a bit because with 2009 stock market bounce many people now have 301k's!
Why is this an opportunity for independent financial advisors?
Because many folks tried a "do-it-yourself" approach to retirement planning and investments and came up short over the past 10 years. Their goal of retirement got pushed out so they know they need to do better and soon. Your task? Let them know independent, objective and well-informed advice can help them reach their financial goals.
So read this article from The Daily Reckoning knowing that plenty of folks in your city need your help to reach their financial goals. Your job is to attract their attention, let them know what makes you different and how that can help them, and then get to work helping them.
The Lost Decade
By Ian Mathias
01/04/10 Baltimore, Maryland – Before we dive into 2010, let’s close the books on the last 10 years — that decade of reckoning. We noted before Christmas that, as we forecast long ago, the major stock indexes were a bust for the decade. But check this out… Were the last 10 years a wash for the whole economy?
So what’s the term for 10 years of no growth in jobs, the slowest GDP growth in 70 years and a 4% fall in inflation-adjusted net worth? Dormancy? Depression? Whatever it is… ouch.
“Historically, downturns have been enormously creative times technologically,” notes Patrick Cox, our tech analyst. “Our current economic mess will be no exception. Economic pressures are forcing reassessments and hard, creative choices. The result will be an explosion of breakthrough technologies. Nobel laureate economist Gary Becker is just one of those studying business cycles who predicts that the recovery from our current mess will be unparalleled and spectacular…
“In the early 1400s, German goldsmith Johannes Gutenberg invented the movable-type printing press. This invention did far more than facilitate book production and increase the availability of knowledge. It started an information technology (IT) revolution that continues to accelerate even today.
“In Gutenberg’s era, his advances in lithography not only increased access to the world’s greatest thinkers. They also put practical business and technical knowledge in the hands of commoners. This seemingly insignificant invention smashed monopolies of thought and political power. The result was exponential growth in science, technology and democratic ideals. The Renaissance and the Enlightenment followed, on up to our present era.
“We’ve already seen a series of printed circuit lithography technologies revolutionize the electronics industry. Every electronic device you own — from your television to your mobile phone — contains a lithographically printed circuit board of one form or another. Like many of the transformational technologies of the last century, it was invented during the Great Depression. The timing was not a fluke.”
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Do you normally see the glass as half empty or half full? I've always been a "half-full" kind of guy even when the glass is maybe 1/8 full. I just don't see the 7/8 empty and just charge ahead undaunted!
It doesn't take a Wall Street Analyst to see the past decade was a downer for most Americans. The joke about the 401k becoming a 201k is sad/funny just because it's true for so many people. Of course, the joke should be modified a bit because with 2009 stock market bounce many people now have 301k's!
Why is this an opportunity for independent financial advisors?
Because many folks tried a "do-it-yourself" approach to retirement planning and investments and came up short over the past 10 years. Their goal of retirement got pushed out so they know they need to do better and soon. Your task? Let them know independent, objective and well-informed advice can help them reach their financial goals.
So read this article from The Daily Reckoning knowing that plenty of folks in your city need your help to reach their financial goals. Your job is to attract their attention, let them know what makes you different and how that can help them, and then get to work helping them.
The Lost Decade
By Ian Mathias
01/04/10 Baltimore, Maryland – Before we dive into 2010, let’s close the books on the last 10 years — that decade of reckoning. We noted before Christmas that, as we forecast long ago, the major stock indexes were a bust for the decade. But check this out… Were the last 10 years a wash for the whole economy?
So what’s the term for 10 years of no growth in jobs, the slowest GDP growth in 70 years and a 4% fall in inflation-adjusted net worth? Dormancy? Depression? Whatever it is… ouch.
“Historically, downturns have been enormously creative times technologically,” notes Patrick Cox, our tech analyst. “Our current economic mess will be no exception. Economic pressures are forcing reassessments and hard, creative choices. The result will be an explosion of breakthrough technologies. Nobel laureate economist Gary Becker is just one of those studying business cycles who predicts that the recovery from our current mess will be unparalleled and spectacular…
“In the early 1400s, German goldsmith Johannes Gutenberg invented the movable-type printing press. This invention did far more than facilitate book production and increase the availability of knowledge. It started an information technology (IT) revolution that continues to accelerate even today.
“In Gutenberg’s era, his advances in lithography not only increased access to the world’s greatest thinkers. They also put practical business and technical knowledge in the hands of commoners. This seemingly insignificant invention smashed monopolies of thought and political power. The result was exponential growth in science, technology and democratic ideals. The Renaissance and the Enlightenment followed, on up to our present era.
“We’ve already seen a series of printed circuit lithography technologies revolutionize the electronics industry. Every electronic device you own — from your television to your mobile phone — contains a lithographically printed circuit board of one form or another. Like many of the transformational technologies of the last century, it was invented during the Great Depression. The timing was not a fluke.”
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 12:16:34
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 12:16:34
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 20:16:34
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 20:16:34
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/331-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/331-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 336
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 336
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 12:17:55
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 12:17:55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 20:17:55
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 20:17:55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Do you normally see the glass as half empty or half full? I've always been a "half-full" kind of guy even when the glass is maybe 1/8 full. I just don't see the 7/8 empty and just charge ahead undaunted!
It doesn't take a Wall Street Analyst to see the past decade was a downer for most Americans. The joke about the 401k becoming a 201k is sad/funny just because it's true for so many people. Of course, the joke should be modified a bit because with 2009 stock market bounce many people now have 301k's!
Why is this an opportunity for independent financial advisors?
Because many folks tried a "do-it-yourself" approach to retirement planning and investments and came up short over the past 10 years. Their goal of retirement got pushed out so they know they need to do better and soon. Your task? Let them know independent, objective and well-informed advice can help them reach their financial goals.
So read this article from The Daily Reckoning knowing that plenty of folks in your city need your help to reach their financial goals. Your job is to attract their attention, let them know what makes you different and how that can help them, and then get to work helping them.
The Lost Decade
By Ian Mathias
01/04/10 Baltimore, Maryland – Before we dive into 2010, let’s close the books on the last 10 years — that decade of reckoning. We noted before Christmas that, as we forecast long ago, the major stock indexes were a bust for the decade. But check this out… Were the last 10 years a wash for the whole economy?
So what’s the term for 10 years of no growth in jobs, the slowest GDP growth in 70 years and a 4% fall in inflation-adjusted net worth? Dormancy? Depression? Whatever it is… ouch.
“Historically, downturns have been enormously creative times technologically,” notes Patrick Cox, our tech analyst. “Our current economic mess will be no exception. Economic pressures are forcing reassessments and hard, creative choices. The result will be an explosion of breakthrough technologies. Nobel laureate economist Gary Becker is just one of those studying business cycles who predicts that the recovery from our current mess will be unparalleled and spectacular…
“In the early 1400s, German goldsmith Johannes Gutenberg invented the movable-type printing press. This invention did far more than facilitate book production and increase the availability of knowledge. It started an information technology (IT) revolution that continues to accelerate even today.
“In Gutenberg’s era, his advances in lithography not only increased access to the world’s greatest thinkers. They also put practical business and technical knowledge in the hands of commoners. This seemingly insignificant invention smashed monopolies of thought and political power. The result was exponential growth in science, technology and democratic ideals. The Renaissance and the Enlightenment followed, on up to our present era.
“We’ve already seen a series of printed circuit lithography technologies revolutionize the electronics industry. Every electronic device you own — from your television to your mobile phone — contains a lithographically printed circuit board of one form or another. Like many of the transformational technologies of the last century, it was invented during the Great Depression. The timing was not a fluke.”
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Do you normally see the glass as half empty or half full? I've always been a "half-full" kind of guy even when the glass is maybe 1/8 full. I just don't see the 7/8 empty and just charge ahead undaunted!
It doesn't take a Wall Street Analyst to see the past decade was a downer for most Americans. The joke about the 401k becoming a 201k is sad/funny just because it's true for so many people. Of course, the joke should be modified a bit because with 2009 stock market bounce many people now have 301k's!
Why is this an opportunity for independent financial advisors?
Because many folks tried a "do-it-yourself" approach to retirement planning and investments and came up short over the past 10 years. Their goal of retirement got pushed out so they know they need to do better and soon. Your task? Let them know independent, objective and well-informed advice can help them reach their financial goals.
So read this article from The Daily Reckoning knowing that plenty of folks in your city need your help to reach their financial goals. Your job is to attract their attention, let them know what makes you different and how that can help them, and then get to work helping them.
The Lost Decade
By Ian Mathias
01/04/10 Baltimore, Maryland – Before we dive into 2010, let’s close the books on the last 10 years — that decade of reckoning. We noted before Christmas that, as we forecast long ago, the major stock indexes were a bust for the decade. But check this out… Were the last 10 years a wash for the whole economy?
So what’s the term for 10 years of no growth in jobs, the slowest GDP growth in 70 years and a 4% fall in inflation-adjusted net worth? Dormancy? Depression? Whatever it is… ouch.
“Historically, downturns have been enormously creative times technologically,” notes Patrick Cox, our tech analyst. “Our current economic mess will be no exception. Economic pressures are forcing reassessments and hard, creative choices. The result will be an explosion of breakthrough technologies. Nobel laureate economist Gary Becker is just one of those studying business cycles who predicts that the recovery from our current mess will be unparalleled and spectacular…
“In the early 1400s, German goldsmith Johannes Gutenberg invented the movable-type printing press. This invention did far more than facilitate book production and increase the availability of knowledge. It started an information technology (IT) revolution that continues to accelerate even today.
“In Gutenberg’s era, his advances in lithography not only increased access to the world’s greatest thinkers. They also put practical business and technical knowledge in the hands of commoners. This seemingly insignificant invention smashed monopolies of thought and political power. The result was exponential growth in science, technology and democratic ideals. The Renaissance and the Enlightenment followed, on up to our present era.
“We’ve already seen a series of printed circuit lithography technologies revolutionize the electronics industry. Every electronic device you own — from your television to your mobile phone — contains a lithographically printed circuit board of one form or another. Like many of the transformational technologies of the last century, it was invented during the Great Depression. The timing was not a fluke.”
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Why "The Lost Decade" is Good News for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Why "The Lost Decade" is Good News for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331-autosave
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331-autosave
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 12:17:55
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 12:17:55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 20:17:55
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 20:17:55
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 331
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/331-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/331-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 337
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 337
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 12:16:50
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 12:16:50
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-04 20:16:50
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-04 20:16:50
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Do you normally see the glass as half empty or half full? I've always been a "half-full" kind of guy even when the glass is maybe 1/8 full. I just don't see the 7/8 empty and just charge ahead undaunted!
It doesn't take a Wall Street Analyst to see the past decade was a downer for most Americans. The joke about the 401k becoming a 201k is sad/funny just because it's true for so many people. Of course, the joke should be modified a bit because with 2009 stock market bounce many people now have 301k's!
Why is this an opportunity for independent financial advisors?
Because many folks tried a "do-it-yourself" approach to retirement planning and investments and came up short over the past 10 years. Their goal of retirement got pushed out so they know they need to do better and soon. Your task? Let them know independent, objective and well-informed advice can help them reach their financial goals.
So read this article from The Daily Reckoning knowing that plenty of folks in your city need your help to reach their financial goals. Your job is to attract their attention, let them know what makes you different and how that can help them, and then get to work helping them.
The Lost Decade
By Ian Mathias
01/04/10 Baltimore, Maryland – Before we dive into 2010, let’s close the books on the last 10 years — that decade of reckoning. We noted before Christmas that, as we forecast long ago, the major stock indexes were a bust for the decade. But check this out… Were the last 10 years a wash for the whole economy?
So what’s the term for 10 years of no growth in jobs, the slowest GDP growth in 70 years and a 4% fall in inflation-adjusted net worth? Dormancy? Depression? Whatever it is… ouch.
“Historically, downturns have been enormously creative times technologically,” notes Patrick Cox, our tech analyst. “Our current economic mess will be no exception. Economic pressures are forcing reassessments and hard, creative choices. The result will be an explosion of breakthrough technologies. Nobel laureate economist Gary Becker is just one of those studying business cycles who predicts that the recovery from our current mess will be unparalleled and spectacular…
“In the early 1400s, German goldsmith Johannes Gutenberg invented the movable-type printing press. This invention did far more than facilitate book production and increase the availability of knowledge. It started an information technology (IT) revolution that continues to accelerate even today.
“In Gutenberg’s era, his advances in lithography not only increased access to the world’s greatest thinkers. They also put practical business and technical knowledge in the hands of commoners. This seemingly insignificant invention smashed monopolies of thought and political power. The result was exponential growth in science, technology and democratic ideals. The Renaissance and the Enlightenment followed, on up to our present era.
“We’ve already seen a series of printed circuit lithography technologies revolutionize the electronics industry. Every electronic device you own — from your television to your mobile phone — contains a lithographically printed circuit board of one form or another. Like many of the transformational technologies of the last century, it was invented during the Great Depression. The timing was not a fluke.”
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Do you normally see the glass as half empty or half full? I've always been a "half-full" kind of guy even when the glass is maybe 1/8 full. I just don't see the 7/8 empty and just charge ahead undaunted!
It doesn't take a Wall Street Analyst to see the past decade was a downer for most Americans. The joke about the 401k becoming a 201k is sad/funny just because it's true for so many people. Of course, the joke should be modified a bit because with 2009 stock market bounce many people now have 301k's!
Why is this an opportunity for independent financial advisors?
Because many folks tried a "do-it-yourself" approach to retirement planning and investments and came up short over the past 10 years. Their goal of retirement got pushed out so they know they need to do better and soon. Your task? Let them know independent, objective and well-informed advice can help them reach their financial goals.
So read this article from The Daily Reckoning knowing that plenty of folks in your city need your help to reach their financial goals. Your job is to attract their attention, let them know what makes you different and how that can help them, and then get to work helping them.
The Lost Decade
By Ian Mathias
01/04/10 Baltimore, Maryland – Before we dive into 2010, let’s close the books on the last 10 years — that decade of reckoning. We noted before Christmas that, as we forecast long ago, the major stock indexes were a bust for the decade. But check this out… Were the last 10 years a wash for the whole economy?
So what’s the term for 10 years of no growth in jobs, the slowest GDP growth in 70 years and a 4% fall in inflation-adjusted net worth? Dormancy? Depression? Whatever it is… ouch.
“Historically, downturns have been enormously creative times technologically,” notes Patrick Cox, our tech analyst. “Our current economic mess will be no exception. Economic pressures are forcing reassessments and hard, creative choices. The result will be an explosion of breakthrough technologies. Nobel laureate economist Gary Becker is just one of those studying business cycles who predicts that the recovery from our current mess will be unparalleled and spectacular…
“In the early 1400s, German goldsmith Johannes Gutenberg invented the movable-type printing press. This invention did far more than facilitate book production and increase the availability of knowledge. It started an information technology (IT) revolution that continues to accelerate even today.
“In Gutenberg’s era, his advances in lithography not only increased access to the world’s greatest thinkers. They also put practical business and technical knowledge in the hands of commoners. This seemingly insignificant invention smashed monopolies of thought and political power. The result was exponential growth in science, technology and democratic ideals. The Renaissance and the Enlightenment followed, on up to our present era.
“We’ve already seen a series of printed circuit lithography technologies revolutionize the electronics industry. Every electronic device you own — from your television to your mobile phone — contains a lithographically printed circuit board of one form or another. Like many of the transformational technologies of the last century, it was invented during the Great Depression. The timing was not a fluke.”
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Why "The Lost Decade" is Good News for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Why "The Lost Decade" is Good News for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/331-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/331-revision-5/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Do you normally see the glass as half empty or half full? I've always been a "half-full" kind of guy even when the glass is maybe 1/8 full. I just don't see the 7/8 empty and just charge ahead undaunted!
It doesn't take a Wall Street Analyst to see the past decade was a downer for most Americans. The joke about the 401k becoming a 201k is sad/funny just because it's true for so many people. Of course, the joke should be modified a bit because with 2009 stock market bounce many people now have 301k's!
Why is this an opportunity for independent financial advisors?
Because many folks tried a "do-it-yourself" approach to retirement planning and investments and came up short over the past 10 years. Their goal of retirement got pushed out so they know they need to do better and soon. Your task? Let them know independent, objective and well-informed advice can help them reach their financial goals.
So read this article from The Daily Reckoning knowing that plenty of folks in your city need your help to reach their financial goals. Your job is to attract their attention, let them know what makes you different and how that can help them, and then get to work helping them.
The Lost Decade
By Ian Mathias
01/04/10 Baltimore, Maryland – Before we dive into 2010, let’s close the books on the last 10 years — that decade of reckoning. We noted before Christmas that, as we forecast long ago, the major stock indexes were a bust for the decade. But check this out… Were the last 10 years a wash for the whole economy?
So what’s the term for 10 years of no growth in jobs, the slowest GDP growth in 70 years and a 4% fall in inflation-adjusted net worth? Dormancy? Depression? Whatever it is… ouch.
“Historically, downturns have been enormously creative times technologically,” notes Patrick Cox, our tech analyst. “Our current economic mess will be no exception. Economic pressures are forcing reassessments and hard, creative choices. The result will be an explosion of breakthrough technologies. Nobel laureate economist Gary Becker is just one of those studying business cycles who predicts that the recovery from our current mess will be unparalleled and spectacular…
“In the early 1400s, German goldsmith Johannes Gutenberg invented the movable-type printing press. This invention did far more than facilitate book production and increase the availability of knowledge. It started an information technology (IT) revolution that continues to accelerate even today.
“In Gutenberg’s era, his advances in lithography not only increased access to the world’s greatest thinkers. They also put practical business and technical knowledge in the hands of commoners. This seemingly insignificant invention smashed monopolies of thought and political power. The result was exponential growth in science, technology and democratic ideals. The Renaissance and the Enlightenment followed, on up to our present era.
“We’ve already seen a series of printed circuit lithography technologies revolutionize the electronics industry. Every electronic device you own — from your television to your mobile phone — contains a lithographically printed circuit board of one form or another. Like many of the transformational technologies of the last century, it was invented during the Great Depression. The timing was not a fluke.”
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Do you normally see the glass as half empty or half full? I've always been a "half-full" kind of guy even when the glass is maybe 1/8 full. I just don't see the 7/8 empty and just charge ahead undaunted!
It doesn't take a Wall Street Analyst to see the past decade was a downer for most Americans. The joke about the 401k becoming a 201k is sad/funny just because it's true for so many people. Of course, the joke should be modified a bit because with 2009 stock market bounce many people now have 301k's!
Why is this an opportunity for independent financial advisors?
Because many folks tried a "do-it-yourself" approach to retirement planning and investments and came up short over the past 10 years. Their goal of retirement got pushed out so they know they need to do better and soon. Your task? Let them know independent, objective and well-informed advice can help them reach their financial goals.
So read this article from The Daily Reckoning knowing that plenty of folks in your city need your help to reach their financial goals. Your job is to attract their attention, let them know what makes you different and how that can help them, and then get to work helping them.
The Lost Decade
By Ian Mathias
01/04/10 Baltimore, Maryland – Before we dive into 2010, let’s close the books on the last 10 years — that decade of reckoning. We noted before Christmas that, as we forecast long ago, the major stock indexes were a bust for the decade. But check this out… Were the last 10 years a wash for the whole economy?
So what’s the term for 10 years of no growth in jobs, the slowest GDP growth in 70 years and a 4% fall in inflation-adjusted net worth? Dormancy? Depression? Whatever it is… ouch.
“Historically, downturns have been enormously creative times technologically,” notes Patrick Cox, our tech analyst. “Our current economic mess will be no exception. Economic pressures are forcing reassessments and hard, creative choices. The result will be an explosion of breakthrough technologies. Nobel laureate economist Gary Becker is just one of those studying business cycles who predicts that the recovery from our current mess will be unparalleled and spectacular…
“In the early 1400s, German goldsmith Johannes Gutenberg invented the movable-type printing press. This invention did far more than facilitate book production and increase the availability of knowledge. It started an information technology (IT) revolution that continues to accelerate even today.
“In Gutenberg’s era, his advances in lithography not only increased access to the world’s greatest thinkers. They also put practical business and technical knowledge in the hands of commoners. This seemingly insignificant invention smashed monopolies of thought and political power. The result was exponential growth in science, technology and democratic ideals. The Renaissance and the Enlightenment followed, on up to our present era.
“We’ve already seen a series of printed circuit lithography technologies revolutionize the electronics industry. Every electronic device you own — from your television to your mobile phone — contains a lithographically printed circuit board of one form or another. Like many of the transformational technologies of the last century, it was invented during the Great Depression. The timing was not a fluke.”
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Why "The Lost Decade" is Good News for Financial Advisors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Why "The Lost Decade" is Good News for Financial Advisors
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/331-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/331-revision-6/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Well, it appears as if you entered in an invalid URL. Please fix the URL you entered or try using the search functionality on our website.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Well, it appears as if you entered in an invalid URL. Please fix the URL you entered or try using the search functionality on our website.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Whoops! 404 Error!
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Well, it appears as if you entered in an invalid URL. Please fix the URL you entered or try using the search functionality on our website.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Well, it appears as if you entered in an invalid URL. Please fix the URL you entered or try using the search functionality on our website.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Whoops! 404 Error!
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Telegraph got a lot of attention this week. This well-respected writer's warning of hyperinflation in Japan has a lot of people thinking, "Could this really happen?" Ambrose Evans-Pritchard recommends staying in cash until the "real" recovery begins in mid to late 2010.
Give this a read and give it some thought. Your next client may walk in the door and ask, "Could this really happen?"
"Global bear rally will deflate as Japan leads world in sovereign bond crisis"
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Telegraph got a lot of attention this week. This well-respected writer's warning of hyperinflation in Japan has a lot of people thinking, "Could this really happen?" Ambrose Evans-Pritchard recommends staying in cash until the "real" recovery begins in mid to late 2010.
Give this a read and give it some thought. Your next client may walk in the door and ask, "Could this really happen?"
"Global bear rally will deflate as Japan leads world in sovereign bond crisis"
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial Advisors' Dilemma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial Advisors' Dilemma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: For financial advisors, now is the best of times and the worst of times. Out-of-control government spending, massive deficits, and dicey markets combine to make investing much more challenging for everyone. Including financial advisors. Should investors stay in the market or go to cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: For financial advisors, now is the best of times and the worst of times. Out-of-control government spending, massive deficits, and dicey markets combine to make investing much more challenging for everyone. Including financial advisors. Should investors stay in the market or go to cash?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 18:06:21
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=341
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 13:26:56
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 21:26:56
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 21:26:56
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 21:27:02
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 13:27:02
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 13:27:02
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 21:27:02
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 21:27:02
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 344
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 344
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 13:27:08
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 13:27:08
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 21:27:08
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 21:27:08
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 13:27:08
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 13:27:08
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 21:27:08
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 21:27:08
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 345
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 345
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 13:27:13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 13:27:13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 21:27:13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 21:27:13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 13:27:13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 13:27:13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 21:27:13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 21:27:13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 346
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 346
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 13:27:22
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 13:27:22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 21:27:22
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 21:27:22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 13:27:22
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 13:27:22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 21:27:22
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 21:27:22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 347
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 347
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 13:27:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 13:27:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 21:27:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 21:27:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 13:27:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 13:27:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 21:27:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 21:27:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 348
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 348
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 13:27:54
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 13:27:54
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 21:27:54
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 21:27:54
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision-7
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 13:27:54
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 21:27:54
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-8
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision-8
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 13:27:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 13:27:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 21:27:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 21:27:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 14:58:19
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 22:58:19
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 22:58:19
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: For financial advisors, now is the best of times and the worst of times. Out-of-control government spending, massive deficits, and dicey markets combine to make investing much more challenging for everyone. Including financial advisors. And individual investors who look for professional help. And retirees have seen their nest eggs shrink from ostrich size to turkey size. Or chicken size to sparrow size.
This screaming headline from England's The Telegraph got a lot of attention this week. This well-respected writer's warning of hyperinflation in Japan has a lot of people thinking, "Could this really happen?" Ambrose Evans-Pritchard recommends staying in cash until the "real" recovery begins in mid to late 2010.
Give this a read and give it some thought.
Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: For financial advisors, now is the best of times and the worst of times. Out-of-control government spending, massive deficits, and dicey markets combine to make investing much more challenging for everyone. Including financial advisors. And individual investors who look for professional help. And retirees have seen their nest eggs shrink from ostrich size to turkey size. Or chicken size to sparrow size.
This screaming headline from England's The Telegraph got a lot of attention this week. This well-respected writer's warning of hyperinflation in Japan has a lot of people thinking, "Could this really happen?" Ambrose Evans-Pritchard recommends staying in cash until the "real" recovery begins in mid to late 2010.
Give this a read and give it some thought.
Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-9
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision-9
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 14:58:19
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 22:58:19
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/Egg_origami_bird.png
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/Egg_origami_bird.png
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: For financial advisors, now is the best of times and the worst of times. Out-of-control government spending, massive deficits, and dicey markets combine to make investing much more challenging for everyone. Including financial advisors. And individual investors who look for professional help. And retirees have seen their nest eggs shrink from ostrich size to turkey size. Or chicken size to sparrow size.
This screaming headline from England's The Telegraph got a lot of attention this week. This well-respected writer's warning of hyperinflation in Japan has a lot of people thinking, "Could this really happen?" Ambrose Evans-Pritchard recommends staying in cash until the "real" recovery begins in mid to late 2010.
Give this a read and give it some thought. Your next client may walk in the door and ask, "Could this really happen?"
Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: For financial advisors, now is the best of times and the worst of times. Out-of-control government spending, massive deficits, and dicey markets combine to make investing much more challenging for everyone. Including financial advisors. And individual investors who look for professional help. And retirees have seen their nest eggs shrink from ostrich size to turkey size. Or chicken size to sparrow size.
This screaming headline from England's The Telegraph got a lot of attention this week. This well-respected writer's warning of hyperinflation in Japan has a lot of people thinking, "Could this really happen?" Ambrose Evans-Pritchard recommends staying in cash until the "real" recovery begins in mid to late 2010.
Give this a read and give it some thought. Your next client may walk in the door and ask, "Could this really happen?"
Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision-10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 14:59:51
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 14:59:51
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 22:59:51
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 22:59:51
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-10/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-10/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 360
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 15:35:45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 15:35:45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 23:35:45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 23:35:45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Telegraph got a lot of attention this week. This well-respected writer's warning of hyperinflation in Japan has a lot of people thinking, "Could this really happen?" Ambrose Evans-Pritchard recommends staying in cash until the "real" recovery begins in mid to late 2010.
Give this a read and give it some thought. Your next client may walk in the door and ask, "Could this really happen?"
"Global bear rally will deflate as Japan leads world in sovereign bond crisis"
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Telegraph got a lot of attention this week. This well-respected writer's warning of hyperinflation in Japan has a lot of people thinking, "Could this really happen?" Ambrose Evans-Pritchard recommends staying in cash until the "real" recovery begins in mid to late 2010.
Give this a read and give it some thought. Your next client may walk in the door and ask, "Could this really happen?"
"Global bear rally will deflate as Japan leads world in sovereign bond crisis"
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision-18
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 15:35:45
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 23:35:45
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-18/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-18/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 15:10:31
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 23:10:31
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 23:10:31
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-11
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 23:10:31
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-11/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-11/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 15:19:35
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 23:19:35
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 23:19:35
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-12
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision-12
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 15:19:35
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 15:19:35
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 23:19:35
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 23:19:35
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-12/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-12/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 355
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 355
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 15:20:31
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 15:20:31
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 23:20:31
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 23:20:31
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision-13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 15:20:31
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 15:20:31
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 23:20:31
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 23:20:31
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-13/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-13/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 356
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 356
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 15:20:42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 15:20:42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 23:20:42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 23:20:42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision-14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 15:20:42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 15:20:42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 23:20:42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 23:20:42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-14/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-14/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 357
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 357
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 15:24:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 15:24:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 23:24:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 23:24:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision-15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 15:24:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 15:24:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 23:24:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 23:24:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-15/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-15/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 358
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 15:25:17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 15:25:17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 23:25:17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 23:25:17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-16/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-16/
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 23:32:22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Global bear rally will deflate as Japan leads world in sovereign bond crisis
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-17/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-17/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Telegraph got a lot of attention this week. This well-respected writer's warning of hyperinflation in Japan has a lot of people thinking, "Could this really happen?" Ambrose Evans-Pritchard recommends staying in cash until the "real" recovery begins in mid to late 2010.
Give this a read and give it some thought. Your next client may walk in the door and ask, "Could this really happen?"
"Global bear rally will deflate as Japan leads world in sovereign bond crisis"
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Telegraph got a lot of attention this week. This well-respected writer's warning of hyperinflation in Japan has a lot of people thinking, "Could this really happen?" Ambrose Evans-Pritchard recommends staying in cash until the "real" recovery begins in mid to late 2010.
Give this a read and give it some thought. Your next client may walk in the door and ask, "Could this really happen?"
"Global bear rally will deflate as Japan leads world in sovereign bond crisis"
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-19
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision-19
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 15:36:19
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 15:36:19
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 23:36:19
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 23:36:19
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-19/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-19/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 362
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 20:36:43
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 20:36:43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-08 04:36:43
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-08 04:36:43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Telegraph got a lot of attention this week. This well-respected writer's warning of hyperinflation in Japan has a lot of people thinking, "Could this really happen?" Ambrose Evans-Pritchard recommends staying in cash until the "real" recovery begins in mid to late 2010.
Give this a read and give it some thought. Your next client may walk in the door and ask, "Could this really happen?"
"Global bear rally will deflate as Japan leads world in sovereign bond crisis"
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Telegraph got a lot of attention this week. This well-respected writer's warning of hyperinflation in Japan has a lot of people thinking, "Could this really happen?" Ambrose Evans-Pritchard recommends staying in cash until the "real" recovery begins in mid to late 2010.
Give this a read and give it some thought. Your next client may walk in the door and ask, "Could this really happen?"
"Global bear rally will deflate as Japan leads world in sovereign bond crisis"
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial Advisors' Delimma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341-revision-20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341-revision-20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 20:36:43
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 20:36:43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-08 04:36:43
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-08 04:36:43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 341
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/341-revision-20/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/341-revision-20/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-07 20:39:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-07 20:39:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-08 04:39:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-08 04:39:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Telegraph got a lot of attention this week. This well-respected writer's warning of hyperinflation in Japan has a lot of people thinking, "Could this really happen?" Ambrose Evans-Pritchard recommends staying in cash until the "real" recovery begins in mid to late 2010.
Give this a read and give it some thought. Your next client may walk in the door and ask, "Could this really happen?"
"Global bear rally will deflate as Japan leads world in sovereign bond crisis"
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Telegraph got a lot of attention this week. This well-respected writer's warning of hyperinflation in Japan has a lot of people thinking, "Could this really happen?" Ambrose Evans-Pritchard recommends staying in cash until the "real" recovery begins in mid to late 2010.
Give this a read and give it some thought. Your next client may walk in the door and ask, "Could this really happen?"
"Global bear rally will deflate as Japan leads world in sovereign bond crisis"
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial Advisors' Dilemma: Stay Invested or Go to Cash?
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What's your tolerance for risk?
Are you okay with short-term losses to make long-term gains?
Who gets your money when you die?
Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with good answers?
In a recent issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade ." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
What's your tolerance for risk?
Are you okay with short-term losses to make long-term gains?
Who gets your money when you die?
Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with good answers?
In a recent issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade ." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Ever have a client or a prospective client ask you some tough questions? Were you ready with good answers?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Ever have a client or a prospective client ask you some tough questions? Were you ready with good answers?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=364
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What's your tolerance for risk?
Are you okay with short-term losses to make long-term gains?
Who gets your money when you die?
Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
What's your tolerance for risk?
Are you okay with short-term losses to make long-term gains?
Who gets your money when you die?
Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
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What's your tolerance for risk?
Are you okay with short-term losses to make long-term gains?
Who gets your money when you die?
Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
What's your tolerance for risk?
Are you okay with short-term losses to make long-term gains?
Who gets your money when you die?
Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Ready Answers for Difficult Questions
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/364-revision-16/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/364-revision-16/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
Watchin
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
Watchin
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/364-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/364-revision/
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-12 07:40:30
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/364-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/364-revision-2/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/364-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/364-revision-3/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/364-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/364-revision-5/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 364-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 364-revision-4
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 364
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 364
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/364-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/364-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-12 07:50:00
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/364-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/364-revision-6/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Ready Answers for Difficult Questions
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 364
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/364-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/364-revision-7/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/364-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/364-revision-8/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Look what careful preparation did for Steve Jobs.
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Look what careful preparation did for Steve Jobs.
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Ready Answers for Difficult Questions
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/364-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/364-revision-9/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Ready Answers for Difficult Questions
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/364-revision-10/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/364-revision-10/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: As a financial advisor you're used to asking your clients hard questions. What's your tolerance for risk? Are you okay with short-term losses to make long-term gains? Who gets your money when you die? Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Ready Answers for Difficult Questions
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/364-revision-11/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/364-revision-11/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/364-revision-12/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/364-revision-12/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Ready Answers for Difficult Questions
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 364
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/364-revision-13/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/364-revision-13/
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What's your tolerance for risk?
Are you okay with short-term losses to make long-term gains?
Who gets your money when you die?
Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
What's your tolerance for risk?
Are you okay with short-term losses to make long-term gains?
Who gets your money when you die?
Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Ready Answers for Difficult Questions
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 364
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/364-revision-15/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/364-revision-15/
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What's your tolerance for risk?
Are you okay with short-term losses to make long-term gains?
Who gets your money when you die?
Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
What's your tolerance for risk?
Are you okay with short-term losses to make long-term gains?
Who gets your money when you die?
Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with a good answer?
In their November 23, 2009 issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/364-revision-14/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/364-revision-14/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor something that his existing advisor, attorney, or CPA never mentioned. Like how will planning and joint tenancy won't protect his wife if he gets Alzheimer's. And how a living trust can prevent conservatorship. Not to mention avoid the agony, expense, and delays of probate.
You can read about an estate planning seminar system which makes the advisor the quarterback and can provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Products
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor things his existing advisor, attorney, or CPA never mentioned.
How Will Planning and Joint Tenancy won't protect his wife if he gets Alzheimer's.
How a living trust can prevent the expense and embarrassment of conservatorship.
How a living trust avoid the agony, expense, and delays of probate.
And how a living trust can help minimize state and federal estate taxes.
You can read about my estate planning seminar system which makes the advisor the quarterback and provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor things his existing advisor, attorney, or CPA never mentioned.
How Will Planning and Joint Tenancy won't protect his wife if he gets Alzheimer's.
How a living trust can prevent the expense and embarrassment of conservatorship.
How a living trust avoid the agony, expense, and delays of probate.
And how a living trust can help minimize state and federal estate taxes.
You can read about my estate planning seminar system which makes the advisor the quarterback and provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Products
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Products
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/2-revision-12/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/2-revision-12/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Family Living Trust Seminar-in-a-Box
long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor things his existing advisor, attorney, or CPA never mentioned.
How Will Planning and Joint Tenancy won't protect his wife if he gets Alzheimer's.
How a living trust can prevent the expense and embarrassment of conservatorship.
How a living trust avoid the agony, expense, and delays of probate.
And how a living trust can help minimize state and federal estate taxes.
You can read about my estate planning seminar system which makes the advisor the quarterback and provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Family Living Trust Seminar-in-a-Box
long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor things his existing advisor, attorney, or CPA never mentioned.
How Will Planning and Joint Tenancy won't protect his wife if he gets Alzheimer's.
How a living trust can prevent the expense and embarrassment of conservatorship.
How a living trust avoid the agony, expense, and delays of probate.
And how a living trust can help minimize state and federal estate taxes.
You can read about my estate planning seminar system which makes the advisor the quarterback and provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/2-revision-13/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/2-revision-13/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Congress failure to act on the estate tax before the end of the year means more uncertainty for retired people in the United States. What was Congress working on? "Healthcare Reform," of course.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Congress failure to act on the estate tax before the end of the year means more uncertainty for retired people in the United States. What was Congress working on? "Healthcare Reform," of course.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Impact of "Healthcare Reform" on Senior Citizens
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Impact of "Healthcare Reform" on Senior Citizens
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Congress failure to act on the estate tax before the end of the year means more uncertainty for retired people in the United States. What was Congress working on? "Healthcare Reform," of course.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Congress failure to act on the estate tax before the end of the year means more uncertainty for retired people in the United States. What was Congress working on? "Healthcare Reform," of course.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Impact of "Healthcare Reform" on Senior Citizens
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Impact of "Healthcare Reform" on Senior Citizens
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What's your tolerance for risk?
Are you okay with short-term losses to make long-term gains?
Who gets your money when you die?
Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with good answers?
In a recent issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade ." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
What's your tolerance for risk?
Are you okay with short-term losses to make long-term gains?
Who gets your money when you die?
Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with good answers?
In a recent issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade ." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard takes you into the "voting booth" and votes against 2 tax increases on the ballot in Oregon. What does this have to do with advisor marketing success?
Remember in most elections candidates and ballot measures win 51% to 49%. So whenever you take a public stand on a political matter you'll likely to get half the voters mad. Your marketing mindset should tell you not to get your clients and prospective clients hopping mad with something you say!
http://www.youtube.com/watch?v=aVYfLGswvCE
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard takes you into the "voting booth" and votes against 2 tax increases on the ballot in Oregon. What does this have to do with advisor marketing success?
Remember in most elections candidates and ballot measures win 51% to 49%. So whenever you take a public stand on a political matter you'll likely to get half the voters mad. Your marketing mindset should tell you not to get your clients and prospective clients hopping mad with something you say!
http://www.youtube.com/watch?v=aVYfLGswvCE
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: Taking Public Positions on Tax Increases
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Watch Richard vote in a special election and learn how taking public political stands can alienate your clients and prospects.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Watch Richard vote in a special election and learn how taking public political stands can alienate your clients and prospects.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard takes you into the "voting booth" and votes against 2 tax increases on the ballot in Oregon.
Remember in most elections candidates and ballot measures win 51% to 49%. So whenever you take a public stand on a political matter you'll likely to get half the voters mad. Your marketing
http://www.youtube.com/watch?v=aVYfLGswvCE
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard takes you into the "voting booth" and votes against 2 tax increases on the ballot in Oregon.
Remember in most elections candidates and ballot measures win 51% to 49%. So whenever you take a public stand on a political matter you'll likely to get half the voters mad. Your marketing
http://www.youtube.com/watch?v=aVYfLGswvCE
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: Taking Public Positions on Tax Increases
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard takes you into the "voting booth" and votes against 2 tax increases on the ballot in Oregon.
Remember in most elections candidates and ballot measures win 51% to 49%. So whenever you take a public stand on a political matter you'll likely to get half the voters mad. Your marketing mindset should tell you not to get your clients and prospective clients hopping mad with something you say!
http://www.youtube.com/watch?v=aVYfLGswvCE
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard takes you into the "voting booth" and votes against 2 tax increases on the ballot in Oregon.
Remember in most elections candidates and ballot measures win 51% to 49%. So whenever you take a public stand on a political matter you'll likely to get half the voters mad. Your marketing mindset should tell you not to get your clients and prospective clients hopping mad with something you say!
http://www.youtube.com/watch?v=aVYfLGswvCE
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: Taking Public Positions on Tax Increases
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard takes you into the "voting booth" and votes against 2 tax increases on the ballot in Oregon. What does this have to do with advisor marketing success?
Remember in most elections candidates and ballot measures win 51% to 49%. So whenever you take a public stand on a political matter you'll likely to get half the voters mad. Your marketing mindset should tell you not to get your clients and prospective clients hopping mad with something you say!
http://www.youtube.com/watch?v=aVYfLGswvCE
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard takes you into the "voting booth" and votes against 2 tax increases on the ballot in Oregon. What does this have to do with advisor marketing success?
Remember in most elections candidates and ballot measures win 51% to 49%. So whenever you take a public stand on a political matter you'll likely to get half the voters mad. Your marketing mindset should tell you not to get your clients and prospective clients hopping mad with something you say!
http://www.youtube.com/watch?v=aVYfLGswvCE
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: Taking Public Positions on Tax Increases
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard takes you into the "voting booth" and votes against 2 tax increases on the ballot in Oregon.
Remember in most elections candidates and ballot measures win 51% to 49%. So whenever you take a public stand on a political matter you'll likely to get half the voters mad. Your marketing mindset should tell you not to get your clients and prospective clients hopping mad with something you say!
http://www.youtube.com/watch?v=aVYfLGswvCE
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard takes you into the "voting booth" and votes against 2 tax increases on the ballot in Oregon.
Remember in most elections candidates and ballot measures win 51% to 49%. So whenever you take a public stand on a political matter you'll likely to get half the voters mad. Your marketing mindset should tell you not to get your clients and prospective clients hopping mad with something you say!
http://www.youtube.com/watch?v=aVYfLGswvCE
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: Taking Public Positions on Tax Increases
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/389-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/389-revision-3/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Your clients want decent returns and to avoid losses. So where do you put their money? What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls in the past. Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
The Last Shall Be First
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
For more insights on investments and the economy with a contrarian and witty twist, click through and subscribe to the Daily Reckoning e-zine.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Your clients want decent returns and to avoid losses. So where do you put their money? What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls in the past. Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
The Last Shall Be First
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
For more insights on investments and the economy with a contrarian and witty twist, click through and subscribe to the Daily Reckoning e-zine.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Your clients want decent returns and to avoid losses. So where do you put their money? Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Your clients want decent returns and to avoid losses. So where do you put their money? Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: retirement-planning-trade-decade
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=394
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=394
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-23 16:59:05
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-24 00:59:05
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Your clients want decent returns and to avoid losses. What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Your clients want decent returns and to avoid losses. What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-23 16:59:05
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/394-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/394-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 15:36:20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Your clients want decent returns and to avoid losses. What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls.
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Your clients want decent returns and to avoid losses. What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls.
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 07:36:20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 07:36:20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 15:36:20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 15:36:20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/394-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/394-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 396
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 396
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 07:33:45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 07:33:45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 15:33:45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 15:33:45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Your clients want decent returns and to avoid losses. What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls.
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Your clients want decent returns and to avoid losses. What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls.
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 07:33:45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 07:33:45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 15:33:45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 15:33:45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/394-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/394-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 397
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 397
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 07:34:09
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 15:34:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 15:34:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Your clients want decent returns and to avoid losses. What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls.
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Your clients want decent returns and to avoid losses. What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls.
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 07:34:09
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 15:34:09
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/394-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/394-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 398
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 07:35:19
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 15:35:19
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 15:35:19
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Your clients want decent returns and to avoid losses. What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls.
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Your clients want decent returns and to avoid losses. What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls.
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394-revision-4
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 07:35:19
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 07:35:19
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 15:35:19
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/394-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/394-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 400
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 400
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 15:41:25
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Your clients want decent returns and to avoid losses. So where do you put their money? What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls. Today's guest columnist made a correct long-term call 10 years ago...and just made another for our new decade.
The Last Shall Be First
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
For more insights on investments and the economy with a contrarian and witty twist, click through and subscribe to the Daily Reckoning e-zine.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Your clients want decent returns and to avoid losses. So where do you put their money? What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls. Today's guest columnist made a correct long-term call 10 years ago...and just made another for our new decade.
The Last Shall Be First
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
For more insights on investments and the economy with a contrarian and witty twist, click through and subscribe to the Daily Reckoning e-zine.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394-revision-6
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 15:41:25
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/394-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/394-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 401
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 401
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 07:42:22
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 15:42:22
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 15:42:22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Your clients want decent returns and to avoid losses. So where do you put their money? What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls. Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
The Last Shall Be First
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
For more insights on investments and the economy with a contrarian and witty twist, click through and subscribe to the Daily Reckoning e-zine.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Your clients want decent returns and to avoid losses. So where do you put their money? What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls. Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
The Last Shall Be First
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
For more insights on investments and the economy with a contrarian and witty twist, click through and subscribe to the Daily Reckoning e-zine.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 07:42:22
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 07:42:22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 15:42:22
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/394-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/394-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 15:42:32
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 15:42:32
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Your clients want decent returns and to avoid losses. So where do you put their money? What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls. Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
The Last Shall Be First
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
For more insights on investments and the economy with a contrarian and witty twist, click through and subscribe to the Daily Reckoning e-zine.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Your clients want decent returns and to avoid losses. So where do you put their money? What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls. Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
The Last Shall Be First
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
For more insights on investments and the economy with a contrarian and witty twist, click through and subscribe to the Daily Reckoning e-zine.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394-revision-8
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394-revision-8
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/394-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/394-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 15:43:04
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 15:43:04
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Your clients want decent returns and to avoid losses. So where do you put their money? What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls in the past. Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
The Last Shall Be First
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
For more insights on investments and the economy with a contrarian and witty twist, click through and subscribe to the Daily Reckoning e-zine.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Your clients want decent returns and to avoid losses. So where do you put their money? What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls in the past. Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
The Last Shall Be First
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
For more insights on investments and the economy with a contrarian and witty twist, click through and subscribe to the Daily Reckoning e-zine.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394-revision-9
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394-revision-9
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 07:43:04
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/394-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/394-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 18:01:03
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 18:01:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Your clients want decent returns and to avoid losses. So where do you put their money? What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls in the past. Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
The Last Shall Be First
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
For more insights on investments and the economy with a contrarian and witty twist, click through and subscribe to the Daily Reckoning e-zine.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Your clients want decent returns and to avoid losses. So where do you put their money? What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls in the past. Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
The Last Shall Be First
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
For more insights on investments and the economy with a contrarian and witty twist, click through and subscribe to the Daily Reckoning e-zine.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Your clients want decent returns and to avoid losses. So where do you put their money? Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Your clients want decent returns and to avoid losses. So where do you put their money? Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394-autosave
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394-autosave
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 10:01:03
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 10:01:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 18:01:03
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 18:01:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/394-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/394-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 405
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 405
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 07:43:50
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 07:43:50
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 15:43:50
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-25 15:43:50
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Your clients want decent returns and to avoid losses. So where do you put their money? What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls in the past. Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
The Last Shall Be First
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
For more insights on investments and the economy with a contrarian and witty twist, click through and subscribe to the Daily Reckoning e-zine.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Your clients want decent returns and to avoid losses. So where do you put their money? What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls in the past. Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
The Last Shall Be First
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
For more insights on investments and the economy with a contrarian and witty twist, click through and subscribe to the Daily Reckoning e-zine.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 394-revision-10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394-revision-10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-25 07:43:50
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 394
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/394-revision-10/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/394-revision-10/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-27 22:02:43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In a recent post, I warned advisors to be ready with answers to difficult questions . Here's another one.
"If I follow your investment advice, will my retirement income keep up with inflation? "
In the past year, the Federal Reserve Bank has doubled the money supply. Will this cause higher retail prices? Imagine playing a game of Monopoly and starting the game with $3000 instead of the $1500 called out in the rules since the 1930's. If you had twice the money, wouldn't that make it easier to bid on Boardwalk and Park Place? Prices would rise because you'd have more money to spend.
When the Federal Reserve Bank pumps up the money supply, it causes prices to rise and bubbles to form. Bursting bubbles hurt owners of bubble-inflated assets such as tech stocks, mortgage backed securities, and real estate. Rising prices hurts families and especially hurts retirees.
Watch this short video to see how rising prices would affect a 92 year old who retired in 1973 at age 55.
http://www.youtube.com/watch?v=JGs8tzOmwXg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In a recent post, I warned advisors to be ready with answers to difficult questions . Here's another one.
"If I follow your investment advice, will my retirement income keep up with inflation? "
In the past year, the Federal Reserve Bank has doubled the money supply. Will this cause higher retail prices? Imagine playing a game of Monopoly and starting the game with $3000 instead of the $1500 called out in the rules since the 1930's. If you had twice the money, wouldn't that make it easier to bid on Boardwalk and Park Place? Prices would rise because you'd have more money to spend.
When the Federal Reserve Bank pumps up the money supply, it causes prices to rise and bubbles to form. Bursting bubbles hurt owners of bubble-inflated assets such as tech stocks, mortgage backed securities, and real estate. Rising prices hurts families and especially hurts retirees.
Watch this short video to see how rising prices would affect a 92 year old who retired in 1973 at age 55.
http://www.youtube.com/watch?v=JGs8tzOmwXg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and Price Inflation
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Retirement Planning and Price Inflation
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: retirement-planning-inflation
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-27 14:02:43
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-27 22:02:43
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=406
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=406
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In a recent post, I warned advisors to be ready with answers to difficult questions . Here's another one.
"If I follow your investment advice, will my retirement income keep up with inflation? "
In the past year, the Federal Reserve Bank has doubled the money supply. Will this cause higher retail prices? Imagine playing a game of Monopoly and starting the game with $3000 instead of the $1500 called out in the rules since the 1930's. If you had twice the money, wouldn't that make it easier to bid on Boardwalk and Park Place? Prices would rise because you'd have more money to spend.
When the Federal Reserve Bank pumps up the money supply, it causes prices to rise and bubbles to form. Bursting bubbles hurt owners of bubble-inflated assets such as tech stocks, mortgage backed securities, and real estate. Rising prices hurts families and especially hurts retirees.
Watch this short video to see how rising prices would affect a 92 year old who retired in 1973 at age 55.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In a recent post, I warned advisors to be ready with answers to difficult questions . Here's another one.
"If I follow your investment advice, will my retirement income keep up with inflation? "
In the past year, the Federal Reserve Bank has doubled the money supply. Will this cause higher retail prices? Imagine playing a game of Monopoly and starting the game with $3000 instead of the $1500 called out in the rules since the 1930's. If you had twice the money, wouldn't that make it easier to bid on Boardwalk and Park Place? Prices would rise because you'd have more money to spend.
When the Federal Reserve Bank pumps up the money supply, it causes prices to rise and bubbles to form. Bursting bubbles hurt owners of bubble-inflated assets such as tech stocks, mortgage backed securities, and real estate. Rising prices hurts families and especially hurts retirees.
Watch this short video to see how rising prices would affect a 92 year old who retired in 1973 at age 55.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and Price Inflation
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In a recent post, I warned advisors to be ready with answers to difficult questions . Here's another one.
"If I follow your investment advice, will my retirement income keep up with inflation? "
In the past year, the Federal Reserve Bank has doubled the money supply. Will this cause higher retail prices? Imagine playing a game of Monopoly and starting the game with $3000 instead of the $1500 called out in the rules since the 1930's. If you had twice the money, wouldn't that make it easier to bid on Boardwalk and Park Place? Prices would rise because you'd have more money to spend.
When the Federal Reserve Bank pumps up the money supply, it causes prices to rise and bubbles to form. Bursting bubbles hurt owners of bubble-inflated assets such as tech stocks, mortgage backed securities, and real estate. Rising prices hurts families and especially hurts retirees.
Watch this short video to see how rising prices would affect a 92 year old who retired in 1973 at age 55.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In a recent post, I warned advisors to be ready with answers to difficult questions . Here's another one.
"If I follow your investment advice, will my retirement income keep up with inflation? "
In the past year, the Federal Reserve Bank has doubled the money supply. Will this cause higher retail prices? Imagine playing a game of Monopoly and starting the game with $3000 instead of the $1500 called out in the rules since the 1930's. If you had twice the money, wouldn't that make it easier to bid on Boardwalk and Park Place? Prices would rise because you'd have more money to spend.
When the Federal Reserve Bank pumps up the money supply, it causes prices to rise and bubbles to form. Bursting bubbles hurt owners of bubble-inflated assets such as tech stocks, mortgage backed securities, and real estate. Rising prices hurts families and especially hurts retirees.
Watch this short video to see how rising prices would affect a 92 year old who retired in 1973 at age 55.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and Price Inflation
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In a recent post, I warned advisors to be ready with answers to difficult questions . Here's another one.
"If I follow your investment advice, will my retirement income keep up with inflation? "
In the past year, the Federal Reserve Bank has doubled the money supply. Will this cause higher retail prices? Imagine playing a game of Monopoly and starting the game with $3000 instead of the $1500 called out in the rules since the 1930's. If you had twice the money, wouldn't that make it easier to bid on Boardwalk and Park Place? Prices would rise because you'd have more money to spend.
When the Federal Reserve Bank pumps up the money supply, it causes prices to rise and bubbles to form. Bursting bubbles hurt owners of bubble-inflated assets such as tech stocks, mortgage backed securities, and real estate. Rising prices hurts families and especially hurts retirees.
Watch this short video to see how rising prices would affect a 92 year old who retired in 1973 at age 55.
http://www.youtube.com/watch?v=JGs8tzOmwXg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In a recent post, I warned advisors to be ready with answers to difficult questions . Here's another one.
"If I follow your investment advice, will my retirement income keep up with inflation? "
In the past year, the Federal Reserve Bank has doubled the money supply. Will this cause higher retail prices? Imagine playing a game of Monopoly and starting the game with $3000 instead of the $1500 called out in the rules since the 1930's. If you had twice the money, wouldn't that make it easier to bid on Boardwalk and Park Place? Prices would rise because you'd have more money to spend.
When the Federal Reserve Bank pumps up the money supply, it causes prices to rise and bubbles to form. Bursting bubbles hurt owners of bubble-inflated assets such as tech stocks, mortgage backed securities, and real estate. Rising prices hurts families and especially hurts retirees.
Watch this short video to see how rising prices would affect a 92 year old who retired in 1973 at age 55.
http://www.youtube.com/watch?v=JGs8tzOmwXg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and Price Inflation
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In a recent post, I warned advisors to be ready with answers to difficult questions . Here's another one.
"If I follow your investment advice, will my retirement income keep up with inflation? "
In the past year, the Federal Reserve Bank has doubled the money supply. Will this cause higher retail prices? Imagine playing a game of Monopoly and starting the game with $3000 instead of the $1500 called out in the rules since the 1930's. If you had twice the money, wouldn't that make it easier to bid on Boardwalk and Park Place? Prices would rise because you'd have more money to spend.
When the Federal Reserve Bank pumps up the money supply, it causes prices to rise and bubbles to form. Bursting bubbles hurt owners of bubble-inflated assets such as tech stocks, mortgage backed securities, and real estate. Rising prices hurts families and especially hurts retirees.
Watch this short video to see how rising prices would affect a 92 year old who retired in 1973 at age 55.
http://www.youtube.com/watch?v=JGs8tzOmwXg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In a recent post, I warned advisors to be ready with answers to difficult questions . Here's another one.
"If I follow your investment advice, will my retirement income keep up with inflation? "
In the past year, the Federal Reserve Bank has doubled the money supply. Will this cause higher retail prices? Imagine playing a game of Monopoly and starting the game with $3000 instead of the $1500 called out in the rules since the 1930's. If you had twice the money, wouldn't that make it easier to bid on Boardwalk and Park Place? Prices would rise because you'd have more money to spend.
When the Federal Reserve Bank pumps up the money supply, it causes prices to rise and bubbles to form. Bursting bubbles hurt owners of bubble-inflated assets such as tech stocks, mortgage backed securities, and real estate. Rising prices hurts families and especially hurts retirees.
Watch this short video to see how rising prices would affect a 92 year old who retired in 1973 at age 55.
http://www.youtube.com/watch?v=JGs8tzOmwXg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and Price Inflation
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/406-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/406-autosave/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Family Living Trust Seminar-in-a-Box
The key to getting more assets under management is building trust with prospective clients.
You can use "drip marketing" to nurture prospects into clients with helpful articles, letters, and e-zines over many months. Jim Cecil of NurtureMarketing.com says it takes an average of 47 months for an investor to change advisors. That's a long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor things his existing advisor, attorney, or CPA never mentioned.
How Will Planning and Joint Tenancy won't protect his wife if he gets Alzheimer's.
How a living trust can prevent the expense and embarrassment of conservatorship.
How a living trust avoid the agony, expense, and delays of probate.
And how a living trust can help minimize state and federal estate taxes.
You can read about my estate planning seminar system which makes the advisor the quarterback and provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Family Living Trust Seminar-in-a-Box
The key to getting more assets under management is building trust with prospective clients.
You can use "drip marketing" to nurture prospects into clients with helpful articles, letters, and e-zines over many months. Jim Cecil of NurtureMarketing.com says it takes an average of 47 months for an investor to change advisors. That's a long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor things his existing advisor, attorney, or CPA never mentioned.
How Will Planning and Joint Tenancy won't protect his wife if he gets Alzheimer's.
How a living trust can prevent the expense and embarrassment of conservatorship.
How a living trust avoid the agony, expense, and delays of probate.
And how a living trust can help minimize state and federal estate taxes.
You can read about my estate planning seminar system which makes the advisor the quarterback and provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Products
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Products
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/2-revision-14/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/2-revision-14/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-27 22:05:43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Family Living Trust Seminar-in-a-Box
One of the the key to getting more assets under management is building trust with prospective clients.
You can use "drip marketing" to nurture prospects into clients with helpful articles, letters, and e-zines over many months. Jim Cecil of NurtureMarketing.com says it takes an average of 47 months for an investor to change advisors. That's a long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor things his existing advisor, attorney, or CPA never mentioned.
How Will Planning and Joint Tenancy won't protect his wife if he gets Alzheimer's.
How a living trust can prevent the expense and embarrassment of conservatorship.
How a living trust avoid the agony, expense, and delays of probate.
And how a living trust can help minimize state and federal estate taxes.
You can read about my estate planning seminar system which makes the advisor the quarterback and provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Family Living Trust Seminar-in-a-Box
One of the the key to getting more assets under management is building trust with prospective clients.
You can use "drip marketing" to nurture prospects into clients with helpful articles, letters, and e-zines over many months. Jim Cecil of NurtureMarketing.com says it takes an average of 47 months for an investor to change advisors. That's a long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor things his existing advisor, attorney, or CPA never mentioned.
How Will Planning and Joint Tenancy won't protect his wife if he gets Alzheimer's.
How a living trust can prevent the expense and embarrassment of conservatorship.
How a living trust avoid the agony, expense, and delays of probate.
And how a living trust can help minimize state and federal estate taxes.
You can read about my estate planning seminar system which makes the advisor the quarterback and provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Resources
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Resources
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-27 14:05:43
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/2-revision-15/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/2-revision-15/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 414
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-27 22:08:32
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Family Living Trust Seminar-in-a-Box
One of the the key to getting more assets under management is building trust with prospective clients.
You can use "drip marketing" to nurture prospects into clients with helpful articles, letters, and e-zines over many months. Jim Cecil of NurtureMarketing.com says it takes an average of 47 months for an investor to change advisors. That's a long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor things his existing advisor, attorney, or CPA never mentioned such as:
How Will Planning and Joint Tenancy won't protect his wife if he gets Alzheimer's.
How a living trust can prevent the expense and embarrassment of conservatorship.
How a living trust avoids the agony, expense, and delays of probate.
And how a living trust can help minimize state and federal estate taxes.
You can read about my estate planning seminar system which makes the advisor the quarterback and provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Family Living Trust Seminar-in-a-Box
One of the the key to getting more assets under management is building trust with prospective clients.
You can use "drip marketing" to nurture prospects into clients with helpful articles, letters, and e-zines over many months. Jim Cecil of NurtureMarketing.com says it takes an average of 47 months for an investor to change advisors. That's a long time!
Can you do it faster? Yes. Use "shock therapy" by telling an investor things his existing advisor, attorney, or CPA never mentioned such as:
How Will Planning and Joint Tenancy won't protect his wife if he gets Alzheimer's.
How a living trust can prevent the expense and embarrassment of conservatorship.
How a living trust avoids the agony, expense, and delays of probate.
And how a living trust can help minimize state and federal estate taxes.
You can read about my estate planning seminar system which makes the advisor the quarterback and provide much needed "shock therapy" to investors. Click through to find out more: www.MyLivingTrustSeminar.com .
Advisor Marketing Makeover
Tired of trying to get your marketing program shaped up all by yourself?
Or are you tired of being nagged by a coach when you really need more players on the field?
If this sounds like you, consider hiring Richard as your "Virtual Marketing VP" and letting him and his staff do it for you.
Read all about it here: www.AdvisorMarketingMakeover.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Resources
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Resources
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/2-revision-16/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/2-revision-16/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or firm? Or does it speak about what's in it for the client? What's the ratio of "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, you want more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this.
I first learned this concept from Jay Abraham in 1989. He taught me everyone is tuned into the same radio station: WII-FM. Remember WII-FM in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust seminar product or hire me to redesign your website.
Your clients, and especially your prospecs, don't care about your problems. They really only care about their problems:
Their retirement income..."Will I have enough?"
Their financial goals..."When can I retire?"
Their children's college fund... "How can pay for college for all my kids?"
Their long-term-care risk... "What if my husband gets Alzheimers?"
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. " So he has staff who know their marketing. It seems that they took the day off a few days ago when the President gave this speech. Here is a 2 minute clip to make my point:
http://www.youtube.com/watch?v=I9UIpW_3P5s
You need to avoid the "I/my" approach in your marketing or your prospects will avoid you .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or firm? Or does it speak about what's in it for the client? What's the ratio of "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, you want more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this.
I first learned this concept from Jay Abraham in 1989. He taught me everyone is tuned into the same radio station: WII-FM. Remember WII-FM in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust seminar product or hire me to redesign your website.
Your clients, and especially your prospecs, don't care about your problems. They really only care about their problems:
Their retirement income..."Will I have enough?"
Their financial goals..."When can I retire?"
Their children's college fund... "How can pay for college for all my kids?"
Their long-term-care risk... "What if my husband gets Alzheimers?"
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. " So he has staff who know their marketing. It seems that they took the day off a few days ago when the President gave this speech. Here is a 2 minute clip to make my point:
http://www.youtube.com/watch?v=I9UIpW_3P5s
You need to avoid the "I/my" approach in your marketing or your prospects will avoid you .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success By Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success By Focusing On "You" Not "I"
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=415
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-27 23:58:26
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or company? Or does it speak about what's in it for the client? How much does it say "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this. I first learned this concept from Jay Abraham in 1989. He said that everyone is tuned into the same radio station: WII-FM. Remember this in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust product or hire me to redesign your website.
Of course, your clients don't really care about you either although they might like you. What do your clients care about?
Their retirement
Their financial goals
Their children's college fund
Their long-term-care risk
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force Others have written on the marketing excellen
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or company? Or does it speak about what's in it for the client? How much does it say "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this. I first learned this concept from Jay Abraham in 1989. He said that everyone is tuned into the same radio station: WII-FM. Remember this in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust product or hire me to redesign your website.
Of course, your clients don't really care about you either although they might like you. What do your clients care about?
Their retirement
Their financial goals
Their children's college fund
Their long-term-care risk
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force Others have written on the marketing excellen
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 415-revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/415-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/415-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-28 00:00:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-28 00:00:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or company? Or does it speak about what's in it for the client? How much does it say "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this. I first learned this concept from Jay Abraham in 1989. He said that everyone is tuned into the same radio station: WII-FM. Remember this in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust product or hire me to redesign your website.
Of course, your clients don't really care about you either although they might like you. What do your clients care about?
Their retirement
Their financial goals
Their children's college fund
Their long-term-care risk
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. "
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or company? Or does it speak about what's in it for the client? How much does it say "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this. I first learned this concept from Jay Abraham in 1989. He said that everyone is tuned into the same radio station: WII-FM. Remember this in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust product or hire me to redesign your website.
Of course, your clients don't really care about you either although they might like you. What do your clients care about?
Their retirement
Their financial goals
Their children's college fund
Their long-term-care risk
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. "
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 415
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 415
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/415-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/415-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-28 00:13:30
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or company? Or does it speak about what's in it for the client? How much does it say "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this. I first learned this concept from Jay Abraham in 1989. He taught me everyone is tuned into the same radio station: WII-FM. Remember WII-FM in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust product or hire me to redesign your website.
Of course, your clients don't really care about you either although they might like you. What do your clients care about?
Their retirement
Their financial goals
Their children's college fund
Their long-term-care risk
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. " So he has staff who know their marketing. It seems that they took the day off a few days ago when the President gave this speech. Here is a 2 minute clip which makes my point:
http://www.youtube.com/watch?v=I9UIpW_3P5s
You need to avoid this approach in your marketing or your prospects will avoid you .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or company? Or does it speak about what's in it for the client? How much does it say "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this. I first learned this concept from Jay Abraham in 1989. He taught me everyone is tuned into the same radio station: WII-FM. Remember WII-FM in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust product or hire me to redesign your website.
Of course, your clients don't really care about you either although they might like you. What do your clients care about?
Their retirement
Their financial goals
Their children's college fund
Their long-term-care risk
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. " So he has staff who know their marketing. It seems that they took the day off a few days ago when the President gave this speech. Here is a 2 minute clip which makes my point:
http://www.youtube.com/watch?v=I9UIpW_3P5s
You need to avoid this approach in your marketing or your prospects will avoid you .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success By Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success By Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 415-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 415
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 415
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/415-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/415-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-28 00:14:30
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-28 00:14:30
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or company? Or does it speak about what's in it for the client? How much does it say "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this. I first learned this concept from Jay Abraham in 1989. He taught me everyone is tuned into the same radio station: WII-FM. Remember WII-FM in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust product or hire me to redesign your website.
Of course, your clients don't really care about you either although they might like you. What do your clients care about?
Their retirement
Their financial goals
Their children's college fund
Their long-term-care risk
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. " So he has staff who know their marketing. It seems that they took the day off a few days ago when the President gave this speech. Here is a 2 minute clip which makes my point:
http://www.youtube.com/watch?v=I9UIpW_3P5s
You need to avoid "I/my" approach in your marketing or your prospects will avoid you .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or company? Or does it speak about what's in it for the client? How much does it say "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this. I first learned this concept from Jay Abraham in 1989. He taught me everyone is tuned into the same radio station: WII-FM. Remember WII-FM in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust product or hire me to redesign your website.
Of course, your clients don't really care about you either although they might like you. What do your clients care about?
Their retirement
Their financial goals
Their children's college fund
Their long-term-care risk
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. " So he has staff who know their marketing. It seems that they took the day off a few days ago when the President gave this speech. Here is a 2 minute clip which makes my point:
http://www.youtube.com/watch?v=I9UIpW_3P5s
You need to avoid "I/my" approach in your marketing or your prospects will avoid you .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success By Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success By Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 415-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 415-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-27 16:14:30
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-27 16:14:30
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-28 00:14:30
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 415
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 415
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/415-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/415-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-28 00:20:16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-28 00:20:16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or firm? Or does it speak about what's in it for the client? What's the ratio of "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, you want more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this.
I first learned this concept from Jay Abraham in 1989. He taught me everyone is tuned into the same radio station: WII-FM. Remember WII-FM in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust product or hire me to redesign your website.
Your clients, and especially your prospecs, don't care about your problems. They really only care about their problems:
Their retirement income..."Will I have enough?"
Their financial goals..."When can I retire?"
Their children's college fund... "How can pay for college for all my kids?"
Their long-term-care risk... "What if my husband gets Alzheimers?"
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. " So he has staff who know their marketing. It seems that they took the day off a few days ago when the President gave this speech. Here is a 2 minute clip which makes my point:
http://www.youtube.com/watch?v=I9UIpW_3P5s
You need to avoid "I/my" approach in your marketing or your prospects will avoid you .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or firm? Or does it speak about what's in it for the client? What's the ratio of "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, you want more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this.
I first learned this concept from Jay Abraham in 1989. He taught me everyone is tuned into the same radio station: WII-FM. Remember WII-FM in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust product or hire me to redesign your website.
Your clients, and especially your prospecs, don't care about your problems. They really only care about their problems:
Their retirement income..."Will I have enough?"
Their financial goals..."When can I retire?"
Their children's college fund... "How can pay for college for all my kids?"
Their long-term-care risk... "What if my husband gets Alzheimers?"
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. " So he has staff who know their marketing. It seems that they took the day off a few days ago when the President gave this speech. Here is a 2 minute clip which makes my point:
http://www.youtube.com/watch?v=I9UIpW_3P5s
You need to avoid "I/my" approach in your marketing or your prospects will avoid you .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success By Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success By Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 415-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 415-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-27 16:20:16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-27 16:20:16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-28 00:20:16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-28 00:20:16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 415
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 415
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/415-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/415-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 421
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 421
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-27 16:21:22
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-27 16:21:22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-28 00:21:22
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-28 00:21:22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or firm? Or does it speak about what's in it for the client? What's the ratio of "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, you want more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this.
I first learned this concept from Jay Abraham in 1989. He taught me everyone is tuned into the same radio station: WII-FM. Remember WII-FM in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust seminar product or hire me to redesign your website.
Your clients, and especially your prospecs, don't care about your problems. They really only care about their problems:
Their retirement income..."Will I have enough?"
Their financial goals..."When can I retire?"
Their children's college fund... "How can pay for college for all my kids?"
Their long-term-care risk... "What if my husband gets Alzheimers?"
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. " So he has staff who know their marketing. It seems that they took the day off a few days ago when the President gave this speech. Here is a 2 minute clip which makes my point:
http://www.youtube.com/watch?v=I9UIpW_3P5s
You need to avoid "I/my" approach in your marketing or your prospects will avoid you .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or firm? Or does it speak about what's in it for the client? What's the ratio of "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, you want more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this.
I first learned this concept from Jay Abraham in 1989. He taught me everyone is tuned into the same radio station: WII-FM. Remember WII-FM in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust seminar product or hire me to redesign your website.
Your clients, and especially your prospecs, don't care about your problems. They really only care about their problems:
Their retirement income..."Will I have enough?"
Their financial goals..."When can I retire?"
Their children's college fund... "How can pay for college for all my kids?"
Their long-term-care risk... "What if my husband gets Alzheimers?"
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. " So he has staff who know their marketing. It seems that they took the day off a few days ago when the President gave this speech. Here is a 2 minute clip which makes my point:
http://www.youtube.com/watch?v=I9UIpW_3P5s
You need to avoid "I/my" approach in your marketing or your prospects will avoid you .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success By Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success By Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 415-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 415-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-27 16:21:22
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-27 16:21:22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-28 00:21:22
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 415
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 415
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/415-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/415-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 422
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 422
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-27 16:22:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-27 16:22:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-28 00:22:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-28 00:22:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or firm? Or does it speak about what's in it for the client? What's the ratio of "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, you want more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this.
I first learned this concept from Jay Abraham in 1989. He taught me everyone is tuned into the same radio station: WII-FM. Remember WII-FM in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust seminar product or hire me to redesign your website.
Your clients, and especially your prospecs, don't care about your problems. They really only care about their problems:
Their retirement income..."Will I have enough?"
Their financial goals..."When can I retire?"
Their children's college fund... "How can pay for college for all my kids?"
Their long-term-care risk... "What if my husband gets Alzheimers?"
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. " So he has staff who know their marketing. It seems that they took the day off a few days ago when the President gave this speech. Here is a 2 minute clip to make my point:
http://www.youtube.com/watch?v=I9UIpW_3P5s
You need to avoid "I/my" approach in your marketing or your prospects will avoid you .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or firm? Or does it speak about what's in it for the client? What's the ratio of "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, you want more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this.
I first learned this concept from Jay Abraham in 1989. He taught me everyone is tuned into the same radio station: WII-FM. Remember WII-FM in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust seminar product or hire me to redesign your website.
Your clients, and especially your prospecs, don't care about your problems. They really only care about their problems:
Their retirement income..."Will I have enough?"
Their financial goals..."When can I retire?"
Their children's college fund... "How can pay for college for all my kids?"
Their long-term-care risk... "What if my husband gets Alzheimers?"
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. " So he has staff who know their marketing. It seems that they took the day off a few days ago when the President gave this speech. Here is a 2 minute clip to make my point:
http://www.youtube.com/watch?v=I9UIpW_3P5s
You need to avoid "I/my" approach in your marketing or your prospects will avoid you .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success By Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success By Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 415-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 415-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-27 16:22:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-27 16:22:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-01-28 00:22:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-01-28 00:22:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 415
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 415
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/415-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/415-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 423
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 423
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 09:59:25
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 09:59:25
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 17:59:25
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 17:59:25
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or firm? Or does it speak about what's in it for the client? What's the ratio of "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, you want more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this.
I first learned this concept from Jay Abraham in 1989. He taught me everyone is tuned into the same radio station: WII-FM. Remember WII-FM in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust seminar product or hire me to redesign your website.
Your clients, and especially your prospecs, don't care about your problems. They really only care about their problems:
Their retirement income..."Will I have enough?"
Their financial goals..."When can I retire?"
Their children's college fund... "How can pay for college for all my kids?"
Their long-term-care risk... "What if my husband gets Alzheimers?"
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. " So he has staff who know their marketing. It seems that they took the day off a few days ago when the President gave this speech. Here is a 2 minute clip to make my point:
http://www.youtube.com/watch?v=I9UIpW_3P5s
You need to avoid the "I/my" approach in your marketing or your prospects will avoid you .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or firm? Or does it speak about what's in it for the client? What's the ratio of "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, you want more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this.
I first learned this concept from Jay Abraham in 1989. He taught me everyone is tuned into the same radio station: WII-FM. Remember WII-FM in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust seminar product or hire me to redesign your website.
Your clients, and especially your prospecs, don't care about your problems. They really only care about their problems:
Their retirement income..."Will I have enough?"
Their financial goals..."When can I retire?"
Their children's college fund... "How can pay for college for all my kids?"
Their long-term-care risk... "What if my husband gets Alzheimers?"
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. " So he has staff who know their marketing. It seems that they took the day off a few days ago when the President gave this speech. Here is a 2 minute clip to make my point:
http://www.youtube.com/watch?v=I9UIpW_3P5s
You need to avoid the "I/my" approach in your marketing or your prospects will avoid you .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success By Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success By Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 415-autosave
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 415-autosave
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 09:59:25
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 09:59:25
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 17:59:25
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 17:59:25
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 415
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 415
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/415-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/415-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-02 17:31:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-02 17:31:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-03 01:31:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-03 01:31:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The great thing about email these days is that it's fast, easy and free. Yet take a look at your own in-box. Do you see lots of non-urgent messages you want to read when you get more time. Will you end up reading them? Or will you just delete them before you leave on your next vacation?
In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
Watch this short video and learn the advantages of sending using a snail mail newsletter to stay in touch with your clients and prospects.
httpv://www.youtube.com/watch?v=a_HoZ3_7aok
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The great thing about email these days is that it's fast, easy and free. Yet take a look at your own in-box. Do you see lots of non-urgent messages you want to read when you get more time. Will you end up reading them? Or will you just delete them before you leave on your next vacation?
In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
Watch this short video and learn the advantages of sending using a snail mail newsletter to stay in touch with your clients and prospects.
httpv://www.youtube.com/watch?v=a_HoZ3_7aok
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Client Newsletters
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Client Newsletters
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: advisor-marketing-client-newsletters
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: advisor-marketing-client-newsletters
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-02 17:40:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-02 17:40:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-03 01:40:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-03 01:40:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=424
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=424
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: post
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 425
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 425
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-02 17:15:06
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-02 17:15:06
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-03 01:15:06
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-03 01:15:06
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The great thing about email these days is that it's fast, easy and free. Yet take a look at your own in-box. Do you see lots of non-urgent messages you want to read when you get more time. Will you end up reading them? Or will you just delete them before you leave on your next vacation?
You make a safe assumption when you assume your clients and prospects are buried in emails as well.
What can you you do to stand out from the crowd and help you get noticed by your clients and prospects?
Watch this short video and learn the advantages of sending a printed newsletter to your clients and prospects.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The great thing about email these days is that it's fast, easy and free. Yet take a look at your own in-box. Do you see lots of non-urgent messages you want to read when you get more time. Will you end up reading them? Or will you just delete them before you leave on your next vacation?
You make a safe assumption when you assume your clients and prospects are buried in emails as well.
What can you you do to stand out from the crowd and help you get noticed by your clients and prospects?
Watch this short video and learn the advantages of sending a printed newsletter to your clients and prospects.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Client Newsletters
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Client Newsletters
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this day of email overload, a printed client newsletter can help you stand out from your compe
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this day of email overload, a printed client newsletter can help you stand out from your compe
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 424-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 424-revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-02 17:15:06
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-02 17:15:06
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-03 01:15:06
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-03 01:15:06
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 424
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 424
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/424-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/424-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 427
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 427
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-02 17:29:14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-02 17:29:14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-03 01:29:14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-03 01:29:14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The great thing about email these days is that it's fast, easy and free. Yet take a look at your own in-box. Do you see lots of non-urgent messages you want to read when you get more time. Will you end up reading them? Or will you just delete them before you leave on your next vacation?
In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
Watch this short video and learn the advantages of sending a printed newsletter to your clients and prospects.
httpv://www.youtube.com/watch?v=a_HoZ3_7aok
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The great thing about email these days is that it's fast, easy and free. Yet take a look at your own in-box. Do you see lots of non-urgent messages you want to read when you get more time. Will you end up reading them? Or will you just delete them before you leave on your next vacation?
In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
Watch this short video and learn the advantages of sending a printed newsletter to your clients and prospects.
httpv://www.youtube.com/watch?v=a_HoZ3_7aok
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Client Newsletters
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Client Newsletters
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 424-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 424-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-02 17:29:14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-02 17:29:14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-03 01:29:14
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-03 01:29:14
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 424
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 424
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/424-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/424-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 426
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 426
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-02 17:22:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-02 17:22:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-03 01:22:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-03 01:22:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The great thing about email these days is that it's fast, easy and free. Yet take a look at your own in-box. Do you see lots of non-urgent messages you want to read when you get more time. Will you end up reading them? Or will you just delete them before you leave on your next vacation?
You make a safe assumption when you assume your clients and prospects are buried in emails as well.
What can you you do to stand out from the crowd and help you get noticed by your clients and prospects?
Watch this short video and learn the advantages of sending a printed newsletter to your clients and prospects.
httpv://www.youtube.com/watch?v=a_HoZ3_7aok
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The great thing about email these days is that it's fast, easy and free. Yet take a look at your own in-box. Do you see lots of non-urgent messages you want to read when you get more time. Will you end up reading them? Or will you just delete them before you leave on your next vacation?
You make a safe assumption when you assume your clients and prospects are buried in emails as well.
What can you you do to stand out from the crowd and help you get noticed by your clients and prospects?
Watch this short video and learn the advantages of sending a printed newsletter to your clients and prospects.
httpv://www.youtube.com/watch?v=a_HoZ3_7aok
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Client Newsletters
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Client Newsletters
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 424-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 424-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-02 17:22:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-02 17:22:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-03 01:22:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-03 01:22:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 424
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 424
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/424-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/424-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 428
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 428
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-02 17:30:15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-02 17:30:15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-03 01:30:15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-03 01:30:15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The great thing about email these days is that it's fast, easy and free. Yet take a look at your own in-box. Do you see lots of non-urgent messages you want to read when you get more time. Will you end up reading them? Or will you just delete them before you leave on your next vacation?
In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
Watch this short video and learn the advantages of sending using a snail mail newsletter to stay in touch with your clients and prospects.
httpv://www.youtube.com/watch?v=a_HoZ3_7aok
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The great thing about email these days is that it's fast, easy and free. Yet take a look at your own in-box. Do you see lots of non-urgent messages you want to read when you get more time. Will you end up reading them? Or will you just delete them before you leave on your next vacation?
In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
Watch this short video and learn the advantages of sending using a snail mail newsletter to stay in touch with your clients and prospects.
httpv://www.youtube.com/watch?v=a_HoZ3_7aok
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Client Newsletters
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Client Newsletters
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 424-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 424-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-02 17:30:15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-02 17:30:15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-03 01:30:15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-03 01:30:15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 424
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 424
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/424-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/424-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 429
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 429
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-02 17:33:01
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-02 17:33:01
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-03 01:33:01
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-03 01:33:01
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The great thing about email these days is that it's fast, easy and free. Yet take a look at your own in-box. Do you see lots of non-urgent messages you want to read when you get more time. Will you end up reading them? Or will you just delete them before you leave on your next vacation?
In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
Watch this short video and learn the advantages of sending using a snail mail newsletter to stay in touch with your clients and prospects.
httpv://www.youtube.com/watch?v=a_HoZ3_7aok
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The great thing about email these days is that it's fast, easy and free. Yet take a look at your own in-box. Do you see lots of non-urgent messages you want to read when you get more time. Will you end up reading them? Or will you just delete them before you leave on your next vacation?
In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
Watch this short video and learn the advantages of sending using a snail mail newsletter to stay in touch with your clients and prospects.
httpv://www.youtube.com/watch?v=a_HoZ3_7aok
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Client Newsletters
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Client Newsletters
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/424-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/424-autosave/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The great thing about email these days is that it's fast, easy and free. Yet take a look at your own in-box. Do you see lots of non-urgent messages you want to read when you get more time. Will you end up reading them? Or will you just delete them before you leave on your next vacation?
In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
Watch this short video and learn the advantages of sending using a snail mail newsletter to stay in touch with your clients and prospects.
httpv://www.youtube.com/watch?v=a_HoZ3_7aok
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The great thing about email these days is that it's fast, easy and free. Yet take a look at your own in-box. Do you see lots of non-urgent messages you want to read when you get more time. Will you end up reading them? Or will you just delete them before you leave on your next vacation?
In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
Watch this short video and learn the advantages of sending using a snail mail newsletter to stay in touch with your clients and prospects.
httpv://www.youtube.com/watch?v=a_HoZ3_7aok
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Client Newsletters
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Client Newsletters
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this day of email overload, a printed client newsletter can help you stand out from your competitors and get noticed by your clients and prospects.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Wall Street Journal , Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
Consider Philip Eberlin, 56 years old, who runs a woodwork-restoration business in Chicago Heights, Ill. Trading hot stocks a decade ago, Mr. Eberlin got burned on picks like Krispy Kreme and Tyco. In 2007 he got back into stocks, only to take another hit.
"Having been burned twice in 10 years," says Mr. Eberlin, he now has about 80% of his family's assets "protected from the market" in certificates of deposit and fixed annuities. "I don't have trust in Wall Street to help the small investor in any way, shape or form."
Mr. Eberlin isn't alone. Late last year, Decision Research of Eugene, Ore., asked Americans how much they trusted bankers and other Wall Street leaders "to reduce the risk of the financial challenges the country is facing now." On a scale of 1 to 5, with 1 meaning no trust at all, the rating averaged a paltry 1.7.
With such a loss of faith, how will companies be able to obtain the capital they need to expand? The foundations of the financial markets ultimately rest upon the confidence of mom-and-pop investors across the country.
But every investor has a fundamental need to believe that the world is just—that good people are ultimately rewarded, that bad people are eventually punished and that the system isn't rigged to favor an undeserving few.
This belief in a just world is partly delusional; most of us realize that nice guys often finish last. But this delusion makes short-term setbacks endurable. "A belief that the world is fair and predictable is necessary in order for people to delay gratification and to make investments that will pay off in the long run," says James Olson, a psychologist at the University of Western Ontario.
So when bad things happen, "people often prefer to blame themselves rather than believe they live in a chaotic and unjust world," says Dale Miller, a psychology professor at Stanford University.After tech stocks crashed in 2000-2001, for instance, many investors kicked themselves for taking foolish risks.
This time around, however, many investors who followed the best advice were punished the worst. Someone who held a total-stock-market index fund lost more than 58% from October 2007 through March 2009 and remains 31% behind even after last year's recovery.
These people can't blame themselves; they did as they had been told. Meanwhile, they watched Wall Street firms parcel out billions in bonuses.
I believe the old truths remain valid: Buying and holding a diversified stock portfolio still makes sense. Paradoxically, as fewer people cling to their faith in traditional stock investing, the future rewards from it are likely to grow greater.
But that can take time. In 1952, two full decades after the Great Crash hit bottom, only 19% of wealthy Americans regarded stocks as the wisest investment choice, according to a Federal Reserve survey. Most investors thus sat out the great bull market of the 1950s, when stocks gained 19.4% annually.
How can faith be restored?
Wall Street firms need to be forthright in admitting their shortcomings. The more they protest their innocence, the more they make the typical investor feel that the financial world is unjust.
The Pecora hearings, held in the U.S. Senate in the 1930s, served partly as a form of public expiation, in which Wall Street's leaders apologized for their firms' conduct. The Financial Crisis Inquiry Commission, formed by Congress in 2009 and now holding its own hearings, may help investors feel that Wall Street can own up to its mistakes.
Finally, financial advisers need to be much less dogmatic and confident in their predictions. By admitting the extent of their own ignorance today, they would help prevent investors from feeling railroaded tomorrow.
Source: http://online.wsj.com/article/SB10001424052748704878904575031442147996562.html?mod=WSJ_newsreel_personalFinance
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Wall Street Journal , Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
Consider Philip Eberlin, 56 years old, who runs a woodwork-restoration business in Chicago Heights, Ill. Trading hot stocks a decade ago, Mr. Eberlin got burned on picks like Krispy Kreme and Tyco. In 2007 he got back into stocks, only to take another hit.
"Having been burned twice in 10 years," says Mr. Eberlin, he now has about 80% of his family's assets "protected from the market" in certificates of deposit and fixed annuities. "I don't have trust in Wall Street to help the small investor in any way, shape or form."
Mr. Eberlin isn't alone. Late last year, Decision Research of Eugene, Ore., asked Americans how much they trusted bankers and other Wall Street leaders "to reduce the risk of the financial challenges the country is facing now." On a scale of 1 to 5, with 1 meaning no trust at all, the rating averaged a paltry 1.7.
With such a loss of faith, how will companies be able to obtain the capital they need to expand? The foundations of the financial markets ultimately rest upon the confidence of mom-and-pop investors across the country.
But every investor has a fundamental need to believe that the world is just—that good people are ultimately rewarded, that bad people are eventually punished and that the system isn't rigged to favor an undeserving few.
This belief in a just world is partly delusional; most of us realize that nice guys often finish last. But this delusion makes short-term setbacks endurable. "A belief that the world is fair and predictable is necessary in order for people to delay gratification and to make investments that will pay off in the long run," says James Olson, a psychologist at the University of Western Ontario.
So when bad things happen, "people often prefer to blame themselves rather than believe they live in a chaotic and unjust world," says Dale Miller, a psychology professor at Stanford University.After tech stocks crashed in 2000-2001, for instance, many investors kicked themselves for taking foolish risks.
This time around, however, many investors who followed the best advice were punished the worst. Someone who held a total-stock-market index fund lost more than 58% from October 2007 through March 2009 and remains 31% behind even after last year's recovery.
These people can't blame themselves; they did as they had been told. Meanwhile, they watched Wall Street firms parcel out billions in bonuses.
I believe the old truths remain valid: Buying and holding a diversified stock portfolio still makes sense. Paradoxically, as fewer people cling to their faith in traditional stock investing, the future rewards from it are likely to grow greater.
But that can take time. In 1952, two full decades after the Great Crash hit bottom, only 19% of wealthy Americans regarded stocks as the wisest investment choice, according to a Federal Reserve survey. Most investors thus sat out the great bull market of the 1950s, when stocks gained 19.4% annually.
How can faith be restored?
Wall Street firms need to be forthright in admitting their shortcomings. The more they protest their innocence, the more they make the typical investor feel that the financial world is unjust.
The Pecora hearings, held in the U.S. Senate in the 1930s, served partly as a form of public expiation, in which Wall Street's leaders apologized for their firms' conduct. The Financial Crisis Inquiry Commission, formed by Congress in 2009 and now holding its own hearings, may help investors feel that Wall Street can own up to its mistakes.
Finally, financial advisers need to be much less dogmatic and confident in their predictions. By admitting the extent of their own ignorance today, they would help prevent investors from feeling railroaded tomorrow.
Source: http://online.wsj.com/article/SB10001424052748704878904575031442147996562.html?mod=WSJ_newsreel_personalFinance
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Without faith, people won't take action. This includes taking risks and making long-term investments. In this article in The Wall Street Journal, Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Without faith, people won't take action. This includes taking risks and making long-term investments. In this article in The Wall Street Journal, Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=431
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=431
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this article in The Wall Street Journal,
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this article in The Wall Street Journal,
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advidsor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advidsor Marketing to Shell-shocked, Skeptical Investors
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this article in The Wall Street Journal,
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this article in The Wall Street Journal,
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-05 18:04:32
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-05 18:04:32
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-06 02:04:32
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Without faith, people won't take action. This includes making long-term investments. Some of my advisor clients moved clients' money out of the stock market and into variable annuities before the crash of 2008. At least clients who would listen. Others maintained their faith in the stock market and paid the price. Now many investors wonder if they should trust Wall Street at all. So financial advisors need to adjust their messages to overcome this skepticism.
In this article in The Wall Street Journal , Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
Consider Philip Eberlin, 56 years old, who runs a woodwork-restoration business in Chicago Heights, Ill. Trading hot stocks a decade ago, Mr. Eberlin got burned on picks like Krispy Kreme and Tyco. In 2007 he got back into stocks, only to take another hit.
"Having been burned twice in 10 years," says Mr. Eberlin, he now has about 80% of his family's assets "protected from the market" in certificates of deposit and fixed annuities. "I don't have trust in Wall Street to help the small investor in any way, shape or form."
Mr. Eberlin isn't alone. Late last year, Decision Research of Eugene, Ore., asked Americans how much they trusted bankers and other Wall Street leaders "to reduce the risk of the financial challenges the country is facing now." On a scale of 1 to 5, with 1 meaning no trust at all, the rating averaged a paltry 1.7.
With such a loss of faith, how will companies be able to obtain the capital they need to expand? The foundations of the financial markets ultimately rest upon the confidence of mom-and-pop investors across the country.
But every investor has a fundamental need to believe that the world is just—that good people are ultimately rewarded, that bad people are eventually punished and that the system isn't rigged to favor an undeserving few.
This belief in a just world is partly delusional; most of us realize that nice guys often finish last. But this delusion makes short-term setbacks endurable. "A belief that the world is fair and predictable is necessary in order for people to delay gratification and to make investments that will pay off in the long run," says James Olson, a psychologist at the University of Western Ontario.
So when bad things happen, "people often prefer to blame themselves rather than believe they live in a chaotic and unjust world," says Dale Miller, a psychology professor at Stanford University.After tech stocks crashed in 2000-2001, for instance, many investors kicked themselves for taking foolish risks.
This time around, however, many investors who followed the best advice were punished the worst. Someone who held a total-stock-market index fund lost more than 58% from October 2007 through March 2009 and remains 31% behind even after last year's recovery.
These people can't blame themselves; they did as they had been told. Meanwhile, they watched Wall Street firms parcel out billions in bonuses.
I believe the old truths remain valid: Buying and holding a diversified stock portfolio still makes sense. Paradoxically, as fewer people cling to their faith in traditional stock investing, the future rewards from it are likely to grow greater.
But that can take time. In 1952, two full decades after the Great Crash hit bottom, only 19% of wealthy Americans regarded stocks as the wisest investment choice, according to a Federal Reserve survey. Most investors thus sat out the great bull market of the 1950s, when stocks gained 19.4% annually.
How can faith be restored?
Wall Street firms need to be forthright in admitting their shortcomings. The more they protest their innocence, the more they make the typical investor feel that the financial world is unjust.
The Pecora hearings, held in the U.S. Senate in the 1930s, served partly as a form of public expiation, in which Wall Street's leaders apologized for their firms' conduct. The Financial Crisis Inquiry Commission, formed by Congress in 2009 and now holding its own hearings, may help investors feel that Wall Street can own up to its mistakes.
Finally, financial advisers need to be much less dogmatic and confident in their predictions. By admitting the extent of their own ignorance today, they would help prevent investors from feeling railroaded tomorrow.
Source: http://online.wsj.com/article/SB10001424052748704878904575031442147996562.html?mod=WSJ_newsreel_personalFinance
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Without faith, people won't take action. This includes making long-term investments. Some of my advisor clients moved clients' money out of the stock market and into variable annuities before the crash of 2008. At least clients who would listen. Others maintained their faith in the stock market and paid the price. Now many investors wonder if they should trust Wall Street at all. So financial advisors need to adjust their messages to overcome this skepticism.
In this article in The Wall Street Journal , Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
Consider Philip Eberlin, 56 years old, who runs a woodwork-restoration business in Chicago Heights, Ill. Trading hot stocks a decade ago, Mr. Eberlin got burned on picks like Krispy Kreme and Tyco. In 2007 he got back into stocks, only to take another hit.
"Having been burned twice in 10 years," says Mr. Eberlin, he now has about 80% of his family's assets "protected from the market" in certificates of deposit and fixed annuities. "I don't have trust in Wall Street to help the small investor in any way, shape or form."
Mr. Eberlin isn't alone. Late last year, Decision Research of Eugene, Ore., asked Americans how much they trusted bankers and other Wall Street leaders "to reduce the risk of the financial challenges the country is facing now." On a scale of 1 to 5, with 1 meaning no trust at all, the rating averaged a paltry 1.7.
With such a loss of faith, how will companies be able to obtain the capital they need to expand? The foundations of the financial markets ultimately rest upon the confidence of mom-and-pop investors across the country.
But every investor has a fundamental need to believe that the world is just—that good people are ultimately rewarded, that bad people are eventually punished and that the system isn't rigged to favor an undeserving few.
This belief in a just world is partly delusional; most of us realize that nice guys often finish last. But this delusion makes short-term setbacks endurable. "A belief that the world is fair and predictable is necessary in order for people to delay gratification and to make investments that will pay off in the long run," says James Olson, a psychologist at the University of Western Ontario.
So when bad things happen, "people often prefer to blame themselves rather than believe they live in a chaotic and unjust world," says Dale Miller, a psychology professor at Stanford University.After tech stocks crashed in 2000-2001, for instance, many investors kicked themselves for taking foolish risks.
This time around, however, many investors who followed the best advice were punished the worst. Someone who held a total-stock-market index fund lost more than 58% from October 2007 through March 2009 and remains 31% behind even after last year's recovery.
These people can't blame themselves; they did as they had been told. Meanwhile, they watched Wall Street firms parcel out billions in bonuses.
I believe the old truths remain valid: Buying and holding a diversified stock portfolio still makes sense. Paradoxically, as fewer people cling to their faith in traditional stock investing, the future rewards from it are likely to grow greater.
But that can take time. In 1952, two full decades after the Great Crash hit bottom, only 19% of wealthy Americans regarded stocks as the wisest investment choice, according to a Federal Reserve survey. Most investors thus sat out the great bull market of the 1950s, when stocks gained 19.4% annually.
How can faith be restored?
Wall Street firms need to be forthright in admitting their shortcomings. The more they protest their innocence, the more they make the typical investor feel that the financial world is unjust.
The Pecora hearings, held in the U.S. Senate in the 1930s, served partly as a form of public expiation, in which Wall Street's leaders apologized for their firms' conduct. The Financial Crisis Inquiry Commission, formed by Congress in 2009 and now holding its own hearings, may help investors feel that Wall Street can own up to its mistakes.
Finally, financial advisers need to be much less dogmatic and confident in their predictions. By admitting the extent of their own ignorance today, they would help prevent investors from feeling railroaded tomorrow.
Source: http://online.wsj.com/article/SB10001424052748704878904575031442147996562.html?mod=WSJ_newsreel_personalFinance
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing to Shell-shocked, Skeptical Investors
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/431-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/431-revision-3/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Without faith, people won't take action. This includes making long-term investments. Some of my advisor clients moved clients' money out of the stock market and into variable annuities before the crash of 2008. At least clients who would listen. Others maintained their faith in the stock market and paid the price. Now many investors wonder if they should trust Wall Street at all. So financial advisors need to adjust their messages to overcome this skepticism.
In this article in The Wall Street Journal , Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
Consider Philip Eberlin, 56 years old, who runs a woodwork-restoration business in Chicago Heights, Ill. Trading hot stocks a decade ago, Mr. Eberlin got burned on picks like Krispy Kreme and Tyco. In 2007 he got back into stocks, only to take another hit.
"Having been burned twice in 10 years," says Mr. Eberlin, he now has about 80% of his family's assets "protected from the market" in certificates of deposit and fixed annuities. "I don't have trust in Wall Street to help the small investor in any way, shape or form."
Mr. Eberlin isn't alone. Late last year, Decision Research of Eugene, Ore., asked Americans how much they trusted bankers and other Wall Street leaders "to reduce the risk of the financial challenges the country is facing now." On a scale of 1 to 5, with 1 meaning no trust at all, the rating averaged a paltry 1.7.
With such a loss of faith, how will companies be able to obtain the capital they need to expand? The foundations of the financial markets ultimately rest upon the confidence of mom-and-pop investors across the country.
But every investor has a fundamental need to believe that the world is just—that good people are ultimately rewarded, that bad people are eventually punished and that the system isn't rigged to favor an undeserving few.
This belief in a just world is partly delusional; most of us realize that nice guys often finish last. But this delusion makes short-term setbacks endurable. "A belief that the world is fair and predictable is necessary in order for people to delay gratification and to make investments that will pay off in the long run," says James Olson, a psychologist at the University of Western Ontario.
So when bad things happen, "people often prefer to blame themselves rather than believe they live in a chaotic and unjust world," says Dale Miller, a psychology professor at Stanford University.After tech stocks crashed in 2000-2001, for instance, many investors kicked themselves for taking foolish risks.
This time around, however, many investors who followed the best advice were punished the worst. Someone who held a total-stock-market index fund lost more than 58% from October 2007 through March 2009 and remains 31% behind even after last year's recovery.
These people can't blame themselves; they did as they had been told. Meanwhile, they watched Wall Street firms parcel out billions in bonuses.
I believe the old truths remain valid: Buying and holding a diversified stock portfolio still makes sense. Paradoxically, as fewer people cling to their faith in traditional stock investing, the future rewards from it are likely to grow greater.
But that can take time. In 1952, two full decades after the Great Crash hit bottom, only 19% of wealthy Americans regarded stocks as the wisest investment choice, according to a Federal Reserve survey. Most investors thus sat out the great bull market of the 1950s, when stocks gained 19.4% annually.
How can faith be restored?
Wall Street firms need to be forthright in admitting their shortcomings. The more they protest their innocence, the more they make the typical investor feel that the financial world is unjust.
The Pecora hearings, held in the U.S. Senate in the 1930s, served partly as a form of public expiation, in which Wall Street's leaders apologized for their firms' conduct. The Financial Crisis Inquiry Commission, formed by Congress in 2009 and now holding its own hearings, may help investors feel that Wall Street can own up to its mistakes.
Finally, financial advisers need to be much less dogmatic and confident in their predictions. By admitting the extent of their own ignorance today, they would help prevent investors from feeling railroaded tomorrow.
Source: http://online.wsj.com/article/SB10001424052748704878904575031442147996562.html?mod=WSJ_newsreel_personalFinance
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Without faith, people won't take action. This includes making long-term investments. Some of my advisor clients moved clients' money out of the stock market and into variable annuities before the crash of 2008. At least clients who would listen. Others maintained their faith in the stock market and paid the price. Now many investors wonder if they should trust Wall Street at all. So financial advisors need to adjust their messages to overcome this skepticism.
In this article in The Wall Street Journal , Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
Consider Philip Eberlin, 56 years old, who runs a woodwork-restoration business in Chicago Heights, Ill. Trading hot stocks a decade ago, Mr. Eberlin got burned on picks like Krispy Kreme and Tyco. In 2007 he got back into stocks, only to take another hit.
"Having been burned twice in 10 years," says Mr. Eberlin, he now has about 80% of his family's assets "protected from the market" in certificates of deposit and fixed annuities. "I don't have trust in Wall Street to help the small investor in any way, shape or form."
Mr. Eberlin isn't alone. Late last year, Decision Research of Eugene, Ore., asked Americans how much they trusted bankers and other Wall Street leaders "to reduce the risk of the financial challenges the country is facing now." On a scale of 1 to 5, with 1 meaning no trust at all, the rating averaged a paltry 1.7.
With such a loss of faith, how will companies be able to obtain the capital they need to expand? The foundations of the financial markets ultimately rest upon the confidence of mom-and-pop investors across the country.
But every investor has a fundamental need to believe that the world is just—that good people are ultimately rewarded, that bad people are eventually punished and that the system isn't rigged to favor an undeserving few.
This belief in a just world is partly delusional; most of us realize that nice guys often finish last. But this delusion makes short-term setbacks endurable. "A belief that the world is fair and predictable is necessary in order for people to delay gratification and to make investments that will pay off in the long run," says James Olson, a psychologist at the University of Western Ontario.
So when bad things happen, "people often prefer to blame themselves rather than believe they live in a chaotic and unjust world," says Dale Miller, a psychology professor at Stanford University.After tech stocks crashed in 2000-2001, for instance, many investors kicked themselves for taking foolish risks.
This time around, however, many investors who followed the best advice were punished the worst. Someone who held a total-stock-market index fund lost more than 58% from October 2007 through March 2009 and remains 31% behind even after last year's recovery.
These people can't blame themselves; they did as they had been told. Meanwhile, they watched Wall Street firms parcel out billions in bonuses.
I believe the old truths remain valid: Buying and holding a diversified stock portfolio still makes sense. Paradoxically, as fewer people cling to their faith in traditional stock investing, the future rewards from it are likely to grow greater.
But that can take time. In 1952, two full decades after the Great Crash hit bottom, only 19% of wealthy Americans regarded stocks as the wisest investment choice, according to a Federal Reserve survey. Most investors thus sat out the great bull market of the 1950s, when stocks gained 19.4% annually.
How can faith be restored?
Wall Street firms need to be forthright in admitting their shortcomings. The more they protest their innocence, the more they make the typical investor feel that the financial world is unjust.
The Pecora hearings, held in the U.S. Senate in the 1930s, served partly as a form of public expiation, in which Wall Street's leaders apologized for their firms' conduct. The Financial Crisis Inquiry Commission, formed by Congress in 2009 and now holding its own hearings, may help investors feel that Wall Street can own up to its mistakes.
Finally, financial advisers need to be much less dogmatic and confident in their predictions. By admitting the extent of their own ignorance today, they would help prevent investors from feeling railroaded tomorrow.
Source: http://online.wsj.com/article/SB10001424052748704878904575031442147996562.html?mod=WSJ_newsreel_personalFinance
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 431-revision-4
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 431
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/431-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/431-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Without faith, people won't take action. This includes making long-term investments.
Some of my advisor clients moved clients' money out of the stock market and into variable annuities before the crash of 2008. At least clients who would listen. Others maintained their faith in the stock market and paid the price. Now many investors wonder if they should trust Wall Street at all. So financial advisors need to adjust their messages to overcome this skepticism.
In this article in The Wall Street Journal , Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
Consider Philip Eberlin, 56 years old, who runs a woodwork-restoration business in Chicago Heights, Ill. Trading hot stocks a decade ago, Mr. Eberlin got burned on picks like Krispy Kreme and Tyco. In 2007 he got back into stocks, only to take another hit.
"Having been burned twice in 10 years," says Mr. Eberlin, he now has about 80% of his family's assets "protected from the market" in certificates of deposit and fixed annuities. "I don't have trust in Wall Street to help the small investor in any way, shape or form."
Mr. Eberlin isn't alone. Late last year, Decision Research of Eugene, Ore., asked Americans how much they trusted bankers and other Wall Street leaders "to reduce the risk of the financial challenges the country is facing now." On a scale of 1 to 5, with 1 meaning no trust at all, the rating averaged a paltry 1.7.
With such a loss of faith, how will companies be able to obtain the capital they need to expand? The foundations of the financial markets ultimately rest upon the confidence of mom-and-pop investors across the country.
But every investor has a fundamental need to believe that the world is just—that good people are ultimately rewarded, that bad people are eventually punished and that the system isn't rigged to favor an undeserving few.
This belief in a just world is partly delusional; most of us realize that nice guys often finish last. But this delusion makes short-term setbacks endurable. "A belief that the world is fair and predictable is necessary in order for people to delay gratification and to make investments that will pay off in the long run," says James Olson, a psychologist at the University of Western Ontario.
So when bad things happen, "people often prefer to blame themselves rather than believe they live in a chaotic and unjust world," says Dale Miller, a psychology professor at Stanford University.After tech stocks crashed in 2000-2001, for instance, many investors kicked themselves for taking foolish risks.
This time around, however, many investors who followed the best advice were punished the worst. Someone who held a total-stock-market index fund lost more than 58% from October 2007 through March 2009 and remains 31% behind even after last year's recovery.
These people can't blame themselves; they did as they had been told. Meanwhile, they watched Wall Street firms parcel out billions in bonuses.
I believe the old truths remain valid: Buying and holding a diversified stock portfolio still makes sense. Paradoxically, as fewer people cling to their faith in traditional stock investing, the future rewards from it are likely to grow greater.
But that can take time. In 1952, two full decades after the Great Crash hit bottom, only 19% of wealthy Americans regarded stocks as the wisest investment choice, according to a Federal Reserve survey. Most investors thus sat out the great bull market of the 1950s, when stocks gained 19.4% annually.
How can faith be restored?
Wall Street firms need to be forthright in admitting their shortcomings. The more they protest their innocence, the more they make the typical investor feel that the financial world is unjust.
The Pecora hearings, held in the U.S. Senate in the 1930s, served partly as a form of public expiation, in which Wall Street's leaders apologized for their firms' conduct. The Financial Crisis Inquiry Commission, formed by Congress in 2009 and now holding its own hearings, may help investors feel that Wall Street can own up to its mistakes.
Finally, financial advisers need to be much less dogmatic and confident in their predictions. By admitting the extent of their own ignorance today, they would help prevent investors from feeling railroaded tomorrow.
Source: http://online.wsj.com/article/SB10001424052748704878904575031442147996562.html?mod=WSJ_newsreel_personalFinance
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Without faith, people won't take action. This includes making long-term investments.
Some of my advisor clients moved clients' money out of the stock market and into variable annuities before the crash of 2008. At least clients who would listen. Others maintained their faith in the stock market and paid the price. Now many investors wonder if they should trust Wall Street at all. So financial advisors need to adjust their messages to overcome this skepticism.
In this article in The Wall Street Journal , Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
Consider Philip Eberlin, 56 years old, who runs a woodwork-restoration business in Chicago Heights, Ill. Trading hot stocks a decade ago, Mr. Eberlin got burned on picks like Krispy Kreme and Tyco. In 2007 he got back into stocks, only to take another hit.
"Having been burned twice in 10 years," says Mr. Eberlin, he now has about 80% of his family's assets "protected from the market" in certificates of deposit and fixed annuities. "I don't have trust in Wall Street to help the small investor in any way, shape or form."
Mr. Eberlin isn't alone. Late last year, Decision Research of Eugene, Ore., asked Americans how much they trusted bankers and other Wall Street leaders "to reduce the risk of the financial challenges the country is facing now." On a scale of 1 to 5, with 1 meaning no trust at all, the rating averaged a paltry 1.7.
With such a loss of faith, how will companies be able to obtain the capital they need to expand? The foundations of the financial markets ultimately rest upon the confidence of mom-and-pop investors across the country.
But every investor has a fundamental need to believe that the world is just—that good people are ultimately rewarded, that bad people are eventually punished and that the system isn't rigged to favor an undeserving few.
This belief in a just world is partly delusional; most of us realize that nice guys often finish last. But this delusion makes short-term setbacks endurable. "A belief that the world is fair and predictable is necessary in order for people to delay gratification and to make investments that will pay off in the long run," says James Olson, a psychologist at the University of Western Ontario.
So when bad things happen, "people often prefer to blame themselves rather than believe they live in a chaotic and unjust world," says Dale Miller, a psychology professor at Stanford University.After tech stocks crashed in 2000-2001, for instance, many investors kicked themselves for taking foolish risks.
This time around, however, many investors who followed the best advice were punished the worst. Someone who held a total-stock-market index fund lost more than 58% from October 2007 through March 2009 and remains 31% behind even after last year's recovery.
These people can't blame themselves; they did as they had been told. Meanwhile, they watched Wall Street firms parcel out billions in bonuses.
I believe the old truths remain valid: Buying and holding a diversified stock portfolio still makes sense. Paradoxically, as fewer people cling to their faith in traditional stock investing, the future rewards from it are likely to grow greater.
But that can take time. In 1952, two full decades after the Great Crash hit bottom, only 19% of wealthy Americans regarded stocks as the wisest investment choice, according to a Federal Reserve survey. Most investors thus sat out the great bull market of the 1950s, when stocks gained 19.4% annually.
How can faith be restored?
Wall Street firms need to be forthright in admitting their shortcomings. The more they protest their innocence, the more they make the typical investor feel that the financial world is unjust.
The Pecora hearings, held in the U.S. Senate in the 1930s, served partly as a form of public expiation, in which Wall Street's leaders apologized for their firms' conduct. The Financial Crisis Inquiry Commission, formed by Congress in 2009 and now holding its own hearings, may help investors feel that Wall Street can own up to its mistakes.
Finally, financial advisers need to be much less dogmatic and confident in their predictions. By admitting the extent of their own ignorance today, they would help prevent investors from feeling railroaded tomorrow.
Source: http://online.wsj.com/article/SB10001424052748704878904575031442147996562.html?mod=WSJ_newsreel_personalFinance
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 431-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 431-revision-5
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 431
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/431-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/431-revision-5/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Without faith, people won't take action. This includes making long-term investments.
Some of my advisor clients moved clients' money out of the stock market and into variable annuities before the crash of 2008. At least clients who would listen. Others maintained their faith in the stock market and paid the price. Now many investors wonder if they should trust Wall Street at all. So financial advisors need to adjust their messages to overcome this skepticism.
In this article in The Wall Street Journal , Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
Consider Philip Eberlin, 56 years old, who runs a woodwork-restoration business in Chicago Heights, Ill. Trading hot stocks a decade ago, Mr. Eberlin got burned on picks like Krispy Kreme and Tyco. In 2007 he got back into stocks, only to take another hit.
"Having been burned twice in 10 years," says Mr. Eberlin, he now has about 80% of his family's assets "protected from the market" in certificates of deposit and fixed annuities. "I don't have trust in Wall Street to help the small investor in any way, shape or form."
Mr. Eberlin isn't alone. Late last year, Decision Research of Eugene, Ore., asked Americans how much they trusted bankers and other Wall Street leaders "to reduce the risk of the financial challenges the country is facing now." On a scale of 1 to 5, with 1 meaning no trust at all, the rating averaged a paltry 1.7.
With such a loss of faith, how will companies be able to obtain the capital they need to expand? The foundations of the financial markets ultimately rest upon the confidence of mom-and-pop investors across the country.
But every investor has a fundamental need to believe that the world is just—that good people are ultimately rewarded, that bad people are eventually punished and that the system isn't rigged to favor an undeserving few.
This belief in a just world is partly delusional; most of us realize that nice guys often finish last. But this delusion makes short-term setbacks endurable. "A belief that the world is fair and predictable is necessary in order for people to delay gratification and to make investments that will pay off in the long run," says James Olson, a psychologist at the University of Western Ontario.
So when bad things happen, "people often prefer to blame themselves rather than believe they live in a chaotic and unjust world," says Dale Miller, a psychology professor at Stanford University.After tech stocks crashed in 2000-2001, for instance, many investors kicked themselves for taking foolish risks.
This time around, however, many investors who followed the best advice were punished the worst. Someone who held a total-stock-market index fund lost more than 58% from October 2007 through March 2009 and remains 31% behind even after last year's recovery.
These people can't blame themselves; they did as they had been told. Meanwhile, they watched Wall Street firms parcel out billions in bonuses.
I believe the old truths remain valid: Buying and holding a diversified stock portfolio still makes sense. Paradoxically, as fewer people cling to their faith in traditional stock investing, the future rewards from it are likely to grow greater.
But that can take time. In 1952, two full decades after the Great Crash hit bottom, only 19% of wealthy Americans regarded stocks as the wisest investment choice, according to a Federal Reserve survey. Most investors thus sat out the great bull market of the 1950s, when stocks gained 19.4% annually.
How can faith be restored?
Wall Street firms need to be forthright in admitting their shortcomings. The more they protest their innocence, the more they make the typical investor feel that the financial world is unjust.
The Pecora hearings, held in the U.S. Senate in the 1930s, served partly as a form of public expiation, in which Wall Street's leaders apologized for their firms' conduct. The Financial Crisis Inquiry Commission, formed by Congress in 2009 and now holding its own hearings, may help investors feel that Wall Street can own up to its mistakes.
Finally, financial advisers need to be much less dogmatic and confident in their predictions. By admitting the extent of their own ignorance today, they would help prevent investors from feeling railroaded tomorrow.
Source: http://online.wsj.com/article/SB10001424052748704878904575031442147996562.html?mod=WSJ_newsreel_personalFinance
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Without faith, people won't take action. This includes making long-term investments.
Some of my advisor clients moved clients' money out of the stock market and into variable annuities before the crash of 2008. At least clients who would listen. Others maintained their faith in the stock market and paid the price. Now many investors wonder if they should trust Wall Street at all. So financial advisors need to adjust their messages to overcome this skepticism.
In this article in The Wall Street Journal , Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
Consider Philip Eberlin, 56 years old, who runs a woodwork-restoration business in Chicago Heights, Ill. Trading hot stocks a decade ago, Mr. Eberlin got burned on picks like Krispy Kreme and Tyco. In 2007 he got back into stocks, only to take another hit.
"Having been burned twice in 10 years," says Mr. Eberlin, he now has about 80% of his family's assets "protected from the market" in certificates of deposit and fixed annuities. "I don't have trust in Wall Street to help the small investor in any way, shape or form."
Mr. Eberlin isn't alone. Late last year, Decision Research of Eugene, Ore., asked Americans how much they trusted bankers and other Wall Street leaders "to reduce the risk of the financial challenges the country is facing now." On a scale of 1 to 5, with 1 meaning no trust at all, the rating averaged a paltry 1.7.
With such a loss of faith, how will companies be able to obtain the capital they need to expand? The foundations of the financial markets ultimately rest upon the confidence of mom-and-pop investors across the country.
But every investor has a fundamental need to believe that the world is just—that good people are ultimately rewarded, that bad people are eventually punished and that the system isn't rigged to favor an undeserving few.
This belief in a just world is partly delusional; most of us realize that nice guys often finish last. But this delusion makes short-term setbacks endurable. "A belief that the world is fair and predictable is necessary in order for people to delay gratification and to make investments that will pay off in the long run," says James Olson, a psychologist at the University of Western Ontario.
So when bad things happen, "people often prefer to blame themselves rather than believe they live in a chaotic and unjust world," says Dale Miller, a psychology professor at Stanford University.After tech stocks crashed in 2000-2001, for instance, many investors kicked themselves for taking foolish risks.
This time around, however, many investors who followed the best advice were punished the worst. Someone who held a total-stock-market index fund lost more than 58% from October 2007 through March 2009 and remains 31% behind even after last year's recovery.
These people can't blame themselves; they did as they had been told. Meanwhile, they watched Wall Street firms parcel out billions in bonuses.
I believe the old truths remain valid: Buying and holding a diversified stock portfolio still makes sense. Paradoxically, as fewer people cling to their faith in traditional stock investing, the future rewards from it are likely to grow greater.
But that can take time. In 1952, two full decades after the Great Crash hit bottom, only 19% of wealthy Americans regarded stocks as the wisest investment choice, according to a Federal Reserve survey. Most investors thus sat out the great bull market of the 1950s, when stocks gained 19.4% annually.
How can faith be restored?
Wall Street firms need to be forthright in admitting their shortcomings. The more they protest their innocence, the more they make the typical investor feel that the financial world is unjust.
The Pecora hearings, held in the U.S. Senate in the 1930s, served partly as a form of public expiation, in which Wall Street's leaders apologized for their firms' conduct. The Financial Crisis Inquiry Commission, formed by Congress in 2009 and now holding its own hearings, may help investors feel that Wall Street can own up to its mistakes.
Finally, financial advisers need to be much less dogmatic and confident in their predictions. By admitting the extent of their own ignorance today, they would help prevent investors from feeling railroaded tomorrow.
Source: http://online.wsj.com/article/SB10001424052748704878904575031442147996562.html?mod=WSJ_newsreel_personalFinance
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Without faith, people won't take action. This includes making long-term investments. In this article in The Wall Street Journal, Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Without faith, people won't take action. This includes making long-term investments. In this article in The Wall Street Journal, Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 431-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 431-revision-6
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-05 18:07:35
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-06 02:07:35
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 431
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/431-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/431-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-05 19:03:03
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-06 03:03:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Wall Street Journal , Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
Consider Philip Eberlin, 56 years old, who runs a woodwork-restoration business in Chicago Heights, Ill. Trading hot stocks a decade ago, Mr. Eberlin got burned on picks like Krispy Kreme and Tyco. In 2007 he got back into stocks, only to take another hit.
"Having been burned twice in 10 years," says Mr. Eberlin, he now has about 80% of his family's assets "protected from the market" in certificates of deposit and fixed annuities. "I don't have trust in Wall Street to help the small investor in any way, shape or form."
Mr. Eberlin isn't alone. Late last year, Decision Research of Eugene, Ore., asked Americans how much they trusted bankers and other Wall Street leaders "to reduce the risk of the financial challenges the country is facing now." On a scale of 1 to 5, with 1 meaning no trust at all, the rating averaged a paltry 1.7.
With such a loss of faith, how will companies be able to obtain the capital they need to expand? The foundations of the financial markets ultimately rest upon the confidence of mom-and-pop investors across the country.
But every investor has a fundamental need to believe that the world is just—that good people are ultimately rewarded, that bad people are eventually punished and that the system isn't rigged to favor an undeserving few.
This belief in a just world is partly delusional; most of us realize that nice guys often finish last. But this delusion makes short-term setbacks endurable. "A belief that the world is fair and predictable is necessary in order for people to delay gratification and to make investments that will pay off in the long run," says James Olson, a psychologist at the University of Western Ontario.
So when bad things happen, "people often prefer to blame themselves rather than believe they live in a chaotic and unjust world," says Dale Miller, a psychology professor at Stanford University.After tech stocks crashed in 2000-2001, for instance, many investors kicked themselves for taking foolish risks.
This time around, however, many investors who followed the best advice were punished the worst. Someone who held a total-stock-market index fund lost more than 58% from October 2007 through March 2009 and remains 31% behind even after last year's recovery.
These people can't blame themselves; they did as they had been told. Meanwhile, they watched Wall Street firms parcel out billions in bonuses.
I believe the old truths remain valid: Buying and holding a diversified stock portfolio still makes sense. Paradoxically, as fewer people cling to their faith in traditional stock investing, the future rewards from it are likely to grow greater.
But that can take time. In 1952, two full decades after the Great Crash hit bottom, only 19% of wealthy Americans regarded stocks as the wisest investment choice, according to a Federal Reserve survey. Most investors thus sat out the great bull market of the 1950s, when stocks gained 19.4% annually.
How can faith be restored?
Wall Street firms need to be forthright in admitting their shortcomings. The more they protest their innocence, the more they make the typical investor feel that the financial world is unjust.
The Pecora hearings, held in the U.S. Senate in the 1930s, served partly as a form of public expiation, in which Wall Street's leaders apologized for their firms' conduct. The Financial Crisis Inquiry Commission, formed by Congress in 2009 and now holding its own hearings, may help investors feel that Wall Street can own up to its mistakes.
Finally, financial advisers need to be much less dogmatic and confident in their predictions. By admitting the extent of their own ignorance today, they would help prevent investors from feeling railroaded tomorrow.
Source: http://online.wsj.com/article/SB10001424052748704878904575031442147996562.html?mod=WSJ_newsreel_personalFinance
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Wall Street Journal , Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
Consider Philip Eberlin, 56 years old, who runs a woodwork-restoration business in Chicago Heights, Ill. Trading hot stocks a decade ago, Mr. Eberlin got burned on picks like Krispy Kreme and Tyco. In 2007 he got back into stocks, only to take another hit.
"Having been burned twice in 10 years," says Mr. Eberlin, he now has about 80% of his family's assets "protected from the market" in certificates of deposit and fixed annuities. "I don't have trust in Wall Street to help the small investor in any way, shape or form."
Mr. Eberlin isn't alone. Late last year, Decision Research of Eugene, Ore., asked Americans how much they trusted bankers and other Wall Street leaders "to reduce the risk of the financial challenges the country is facing now." On a scale of 1 to 5, with 1 meaning no trust at all, the rating averaged a paltry 1.7.
With such a loss of faith, how will companies be able to obtain the capital they need to expand? The foundations of the financial markets ultimately rest upon the confidence of mom-and-pop investors across the country.
But every investor has a fundamental need to believe that the world is just—that good people are ultimately rewarded, that bad people are eventually punished and that the system isn't rigged to favor an undeserving few.
This belief in a just world is partly delusional; most of us realize that nice guys often finish last. But this delusion makes short-term setbacks endurable. "A belief that the world is fair and predictable is necessary in order for people to delay gratification and to make investments that will pay off in the long run," says James Olson, a psychologist at the University of Western Ontario.
So when bad things happen, "people often prefer to blame themselves rather than believe they live in a chaotic and unjust world," says Dale Miller, a psychology professor at Stanford University.After tech stocks crashed in 2000-2001, for instance, many investors kicked themselves for taking foolish risks.
This time around, however, many investors who followed the best advice were punished the worst. Someone who held a total-stock-market index fund lost more than 58% from October 2007 through March 2009 and remains 31% behind even after last year's recovery.
These people can't blame themselves; they did as they had been told. Meanwhile, they watched Wall Street firms parcel out billions in bonuses.
I believe the old truths remain valid: Buying and holding a diversified stock portfolio still makes sense. Paradoxically, as fewer people cling to their faith in traditional stock investing, the future rewards from it are likely to grow greater.
But that can take time. In 1952, two full decades after the Great Crash hit bottom, only 19% of wealthy Americans regarded stocks as the wisest investment choice, according to a Federal Reserve survey. Most investors thus sat out the great bull market of the 1950s, when stocks gained 19.4% annually.
How can faith be restored?
Wall Street firms need to be forthright in admitting their shortcomings. The more they protest their innocence, the more they make the typical investor feel that the financial world is unjust.
The Pecora hearings, held in the U.S. Senate in the 1930s, served partly as a form of public expiation, in which Wall Street's leaders apologized for their firms' conduct. The Financial Crisis Inquiry Commission, formed by Congress in 2009 and now holding its own hearings, may help investors feel that Wall Street can own up to its mistakes.
Finally, financial advisers need to be much less dogmatic and confident in their predictions. By admitting the extent of their own ignorance today, they would help prevent investors from feeling railroaded tomorrow.
Source: http://online.wsj.com/article/SB10001424052748704878904575031442147996562.html?mod=WSJ_newsreel_personalFinance
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Without faith, people won't take action. This includes taking risks and making long-term investments. In this article in The Wall Street Journal, Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Without faith, people won't take action. This includes taking risks and making long-term investments. In this article in The Wall Street Journal, Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 431
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/431-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/431-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Without faith, people won't take action. This includes making long-term investments.
Some of my advisor clients moved clients' money out of the stock market and into variable annuities before the crash of 2008. At least clients who would listen. Others maintained their faith in the stock market and paid the price. Now many investors wonder if they should trust Wall Street at all. So financial advisors need to adjust their messages to overcome this skepticism.
In this article in The Wall Street Journal , Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
Consider Philip Eberlin, 56 years old, who runs a woodwork-restoration business in Chicago Heights, Ill. Trading hot stocks a decade ago, Mr. Eberlin got burned on picks like Krispy Kreme and Tyco. In 2007 he got back into stocks, only to take another hit.
"Having been burned twice in 10 years," says Mr. Eberlin, he now has about 80% of his family's assets "protected from the market" in certificates of deposit and fixed annuities. "I don't have trust in Wall Street to help the small investor in any way, shape or form."
Mr. Eberlin isn't alone. Late last year, Decision Research of Eugene, Ore., asked Americans how much they trusted bankers and other Wall Street leaders "to reduce the risk of the financial challenges the country is facing now." On a scale of 1 to 5, with 1 meaning no trust at all, the rating averaged a paltry 1.7.
With such a loss of faith, how will companies be able to obtain the capital they need to expand? The foundations of the financial markets ultimately rest upon the confidence of mom-and-pop investors across the country.
But every investor has a fundamental need to believe that the world is just—that good people are ultimately rewarded, that bad people are eventually punished and that the system isn't rigged to favor an undeserving few.
This belief in a just world is partly delusional; most of us realize that nice guys often finish last. But this delusion makes short-term setbacks endurable. "A belief that the world is fair and predictable is necessary in order for people to delay gratification and to make investments that will pay off in the long run," says James Olson, a psychologist at the University of Western Ontario.
So when bad things happen, "people often prefer to blame themselves rather than believe they live in a chaotic and unjust world," says Dale Miller, a psychology professor at Stanford University.After tech stocks crashed in 2000-2001, for instance, many investors kicked themselves for taking foolish risks.
This time around, however, many investors who followed the best advice were punished the worst. Someone who held a total-stock-market index fund lost more than 58% from October 2007 through March 2009 and remains 31% behind even after last year's recovery.
These people can't blame themselves; they did as they had been told. Meanwhile, they watched Wall Street firms parcel out billions in bonuses.
I believe the old truths remain valid: Buying and holding a diversified stock portfolio still makes sense. Paradoxically, as fewer people cling to their faith in traditional stock investing, the future rewards from it are likely to grow greater.
But that can take time. In 1952, two full decades after the Great Crash hit bottom, only 19% of wealthy Americans regarded stocks as the wisest investment choice, according to a Federal Reserve survey. Most investors thus sat out the great bull market of the 1950s, when stocks gained 19.4% annually.
How can faith be restored?
Wall Street firms need to be forthright in admitting their shortcomings. The more they protest their innocence, the more they make the typical investor feel that the financial world is unjust.
The Pecora hearings, held in the U.S. Senate in the 1930s, served partly as a form of public expiation, in which Wall Street's leaders apologized for their firms' conduct. The Financial Crisis Inquiry Commission, formed by Congress in 2009 and now holding its own hearings, may help investors feel that Wall Street can own up to its mistakes.
Finally, financial advisers need to be much less dogmatic and confident in their predictions. By admitting the extent of their own ignorance today, they would help prevent investors from feeling railroaded tomorrow.
Source: http://online.wsj.com/article/SB10001424052748704878904575031442147996562.html?mod=WSJ_newsreel_personalFinance
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Without faith, people won't take action. This includes making long-term investments.
Some of my advisor clients moved clients' money out of the stock market and into variable annuities before the crash of 2008. At least clients who would listen. Others maintained their faith in the stock market and paid the price. Now many investors wonder if they should trust Wall Street at all. So financial advisors need to adjust their messages to overcome this skepticism.
In this article in The Wall Street Journal , Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
Consider Philip Eberlin, 56 years old, who runs a woodwork-restoration business in Chicago Heights, Ill. Trading hot stocks a decade ago, Mr. Eberlin got burned on picks like Krispy Kreme and Tyco. In 2007 he got back into stocks, only to take another hit.
"Having been burned twice in 10 years," says Mr. Eberlin, he now has about 80% of his family's assets "protected from the market" in certificates of deposit and fixed annuities. "I don't have trust in Wall Street to help the small investor in any way, shape or form."
Mr. Eberlin isn't alone. Late last year, Decision Research of Eugene, Ore., asked Americans how much they trusted bankers and other Wall Street leaders "to reduce the risk of the financial challenges the country is facing now." On a scale of 1 to 5, with 1 meaning no trust at all, the rating averaged a paltry 1.7.
With such a loss of faith, how will companies be able to obtain the capital they need to expand? The foundations of the financial markets ultimately rest upon the confidence of mom-and-pop investors across the country.
But every investor has a fundamental need to believe that the world is just—that good people are ultimately rewarded, that bad people are eventually punished and that the system isn't rigged to favor an undeserving few.
This belief in a just world is partly delusional; most of us realize that nice guys often finish last. But this delusion makes short-term setbacks endurable. "A belief that the world is fair and predictable is necessary in order for people to delay gratification and to make investments that will pay off in the long run," says James Olson, a psychologist at the University of Western Ontario.
So when bad things happen, "people often prefer to blame themselves rather than believe they live in a chaotic and unjust world," says Dale Miller, a psychology professor at Stanford University.After tech stocks crashed in 2000-2001, for instance, many investors kicked themselves for taking foolish risks.
This time around, however, many investors who followed the best advice were punished the worst. Someone who held a total-stock-market index fund lost more than 58% from October 2007 through March 2009 and remains 31% behind even after last year's recovery.
These people can't blame themselves; they did as they had been told. Meanwhile, they watched Wall Street firms parcel out billions in bonuses.
I believe the old truths remain valid: Buying and holding a diversified stock portfolio still makes sense. Paradoxically, as fewer people cling to their faith in traditional stock investing, the future rewards from it are likely to grow greater.
But that can take time. In 1952, two full decades after the Great Crash hit bottom, only 19% of wealthy Americans regarded stocks as the wisest investment choice, according to a Federal Reserve survey. Most investors thus sat out the great bull market of the 1950s, when stocks gained 19.4% annually.
How can faith be restored?
Wall Street firms need to be forthright in admitting their shortcomings. The more they protest their innocence, the more they make the typical investor feel that the financial world is unjust.
The Pecora hearings, held in the U.S. Senate in the 1930s, served partly as a form of public expiation, in which Wall Street's leaders apologized for their firms' conduct. The Financial Crisis Inquiry Commission, formed by Congress in 2009 and now holding its own hearings, may help investors feel that Wall Street can own up to its mistakes.
Finally, financial advisers need to be much less dogmatic and confident in their predictions. By admitting the extent of their own ignorance today, they would help prevent investors from feeling railroaded tomorrow.
Source: http://online.wsj.com/article/SB10001424052748704878904575031442147996562.html?mod=WSJ_newsreel_personalFinance
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Without faith, people won't take action. This includes making long-term investments. In this article in The Wall Street Journal, Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Without faith, people won't take action. This includes making long-term investments. In this article in The Wall Street Journal, Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Wall Street Journal , Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
Consider Philip Eberlin, 56 years old, who runs a woodwork-restoration business in Chicago Heights, Ill. Trading hot stocks a decade ago, Mr. Eberlin got burned on picks like Krispy Kreme and Tyco. In 2007 he got back into stocks, only to take another hit.
"Having been burned twice in 10 years," says Mr. Eberlin, he now has about 80% of his family's assets "protected from the market" in certificates of deposit and fixed annuities. "I don't have trust in Wall Street to help the small investor in any way, shape or form."
Mr. Eberlin isn't alone. Late last year, Decision Research of Eugene, Ore., asked Americans how much they trusted bankers and other Wall Street leaders "to reduce the risk of the financial challenges the country is facing now." On a scale of 1 to 5, with 1 meaning no trust at all, the rating averaged a paltry 1.7.
With such a loss of faith, how will companies be able to obtain the capital they need to expand? The foundations of the financial markets ultimately rest upon the confidence of mom-and-pop investors across the country.
But every investor has a fundamental need to believe that the world is just—that good people are ultimately rewarded, that bad people are eventually punished and that the system isn't rigged to favor an undeserving few.
This belief in a just world is partly delusional; most of us realize that nice guys often finish last. But this delusion makes short-term setbacks endurable. "A belief that the world is fair and predictable is necessary in order for people to delay gratification and to make investments that will pay off in the long run," says James Olson, a psychologist at the University of Western Ontario.
So when bad things happen, "people often prefer to blame themselves rather than believe they live in a chaotic and unjust world," says Dale Miller, a psychology professor at Stanford University.After tech stocks crashed in 2000-2001, for instance, many investors kicked themselves for taking foolish risks.
This time around, however, many investors who followed the best advice were punished the worst. Someone who held a total-stock-market index fund lost more than 58% from October 2007 through March 2009 and remains 31% behind even after last year's recovery.
These people can't blame themselves; they did as they had been told. Meanwhile, they watched Wall Street firms parcel out billions in bonuses.
I believe the old truths remain valid: Buying and holding a diversified stock portfolio still makes sense. Paradoxically, as fewer people cling to their faith in traditional stock investing, the future rewards from it are likely to grow greater.
But that can take time. In 1952, two full decades after the Great Crash hit bottom, only 19% of wealthy Americans regarded stocks as the wisest investment choice, according to a Federal Reserve survey. Most investors thus sat out the great bull market of the 1950s, when stocks gained 19.4% annually.
How can faith be restored?
Wall Street firms need to be forthright in admitting their shortcomings. The more they protest their innocence, the more they make the typical investor feel that the financial world is unjust.
The Pecora hearings, held in the U.S. Senate in the 1930s, served partly as a form of public expiation, in which Wall Street's leaders apologized for their firms' conduct. The Financial Crisis Inquiry Commission, formed by Congress in 2009 and now holding its own hearings, may help investors feel that Wall Street can own up to its mistakes.
Finally, financial advisers need to be much less dogmatic and confident in their predictions. By admitting the extent of their own ignorance today, they would help prevent investors from feeling railroaded tomorrow.
Source: http://online.wsj.com/article/SB10001424052748704878904575031442147996562.html?mod=WSJ_newsreel_personalFinance
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Wall Street Journal , Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
Will We Ever Again Trust Wall Street?
For many investors, the market's turbulence hasn't just destroyed wealth. It has shattered their faith in the financial system itself.
Consider Philip Eberlin, 56 years old, who runs a woodwork-restoration business in Chicago Heights, Ill. Trading hot stocks a decade ago, Mr. Eberlin got burned on picks like Krispy Kreme and Tyco. In 2007 he got back into stocks, only to take another hit.
"Having been burned twice in 10 years," says Mr. Eberlin, he now has about 80% of his family's assets "protected from the market" in certificates of deposit and fixed annuities. "I don't have trust in Wall Street to help the small investor in any way, shape or form."
Mr. Eberlin isn't alone. Late last year, Decision Research of Eugene, Ore., asked Americans how much they trusted bankers and other Wall Street leaders "to reduce the risk of the financial challenges the country is facing now." On a scale of 1 to 5, with 1 meaning no trust at all, the rating averaged a paltry 1.7.
With such a loss of faith, how will companies be able to obtain the capital they need to expand? The foundations of the financial markets ultimately rest upon the confidence of mom-and-pop investors across the country.
But every investor has a fundamental need to believe that the world is just—that good people are ultimately rewarded, that bad people are eventually punished and that the system isn't rigged to favor an undeserving few.
This belief in a just world is partly delusional; most of us realize that nice guys often finish last. But this delusion makes short-term setbacks endurable. "A belief that the world is fair and predictable is necessary in order for people to delay gratification and to make investments that will pay off in the long run," says James Olson, a psychologist at the University of Western Ontario.
So when bad things happen, "people often prefer to blame themselves rather than believe they live in a chaotic and unjust world," says Dale Miller, a psychology professor at Stanford University.After tech stocks crashed in 2000-2001, for instance, many investors kicked themselves for taking foolish risks.
This time around, however, many investors who followed the best advice were punished the worst. Someone who held a total-stock-market index fund lost more than 58% from October 2007 through March 2009 and remains 31% behind even after last year's recovery.
These people can't blame themselves; they did as they had been told. Meanwhile, they watched Wall Street firms parcel out billions in bonuses.
I believe the old truths remain valid: Buying and holding a diversified stock portfolio still makes sense. Paradoxically, as fewer people cling to their faith in traditional stock investing, the future rewards from it are likely to grow greater.
But that can take time. In 1952, two full decades after the Great Crash hit bottom, only 19% of wealthy Americans regarded stocks as the wisest investment choice, according to a Federal Reserve survey. Most investors thus sat out the great bull market of the 1950s, when stocks gained 19.4% annually.
How can faith be restored?
Wall Street firms need to be forthright in admitting their shortcomings. The more they protest their innocence, the more they make the typical investor feel that the financial world is unjust.
The Pecora hearings, held in the U.S. Senate in the 1930s, served partly as a form of public expiation, in which Wall Street's leaders apologized for their firms' conduct. The Financial Crisis Inquiry Commission, formed by Congress in 2009 and now holding its own hearings, may help investors feel that Wall Street can own up to its mistakes.
Finally, financial advisers need to be much less dogmatic and confident in their predictions. By admitting the extent of their own ignorance today, they would help prevent investors from feeling railroaded tomorrow.
Source: http://online.wsj.com/article/SB10001424052748704878904575031442147996562.html?mod=WSJ_newsreel_personalFinance
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing to Shell-shocked, Skeptical Investors
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Without faith, people won't take action. This includes making long-term investments. In this article in The Wall Street Journal, Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Without faith, people won't take action. This includes making long-term investments. In this article in The Wall Street Journal, Jason Zweig surveys the financial battlefield and offers suggestions to financial advisors on how to regain trust.
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Will Baby Boomers Bankrupt Social Security?
As the record federal budget deficit draws increasing scrutiny from Washington to Wall Street to Main Street, deficit hawks may take aim at entitlement programs including Social Security.
And, the nearly 80 million Baby Boomers phasing into retirement will set in motion a dynamic that—if not addressed by Congress—could result in the next generation getting fewer benefits.
After some soothing words about the strength of the 'trust fund", the article describes the affect of the Baby Boom generation:
Looking back, the outlook was rosy for most Americans in 1946, the year earmarked as the beginning of the so-called “baby boom.” With World War II finally over, a 15-year stretch of bad times that had begun with the great Depression was finally over. They responded by having more babies than ever before, more than 78 million of them by 1964.
For Social Security, the mini-population explosion was both beneficial and problematic. Social Security is funded mostly through payroll taxes, with present-day workers funding the payouts for retirees. Since there have been so many Boomers in the workforce for so many years, there were a lot more people putting money into the system than taking it out.
As Boomers begin to retire, the huge group of people putting money into the system will begin taking it out of the system, which then will be funded by a generation of workers—the so-called Gen X—whose numbers are some 15 million fewer. The surplus of money paid into the system by Boomers will allow it to run into the late 2030s, even though it will begin paying out more than it takes in by 2017.
Before I show how the 2017 forecast won't happen, let's listen to a Gen X'r to get a taste of the coming divide:
Count Gen-Xer Tom Firey among those younger workers who think they’re getting the short end of the stick. The managing editor of the conservative Cato Institute magazine, Regulation, first wrote about the subject nearly 10 years ago in a column headlined, “Boomers Fleece Generation X with Social Security.”
“Ever since we Gen-X/Yers began working, we've paid 12.4 percent of our earnings to Social Security,” he wrote. “In contrast, the Boomers will get a bargain. When they entered the workforce in the late 1960s, they paid only 6.5 percent of their earnings to Social Security. Only from 1990 on, when the Boomers had earned paychecks for a quarter-century, did they start paying 12.4 percent to Social Security, the same percentage we Gen-X/Yers have paid our whole lives.”
That’s why Firey dubbed it The Boomers’ Bargain: “They've paid less of their earnings into Social Security than we Gen-X/Yers, yet they'll receive more in benefits than we will and we'll pick up the tab.”
As often comes with age, Firey has mellowed some in the past 10 years, even injecting dark humor into his outlook today. He says, "The last two generations gave themselves some additional retirement benefits just before they left the workforce. The World War II generation gave itself annual COLA (cost-of-living allowance) raises in 1975, and the boomers gave themselves the prescription drug benefit earlier this decade.”
“In essence, these generations said, ‘I'm not willing to pay for these new benefits for myself, but I'm happy to force my kids and grandkids to pay for these benefits for me,’ “Firey added.
You can read the rest to learn about the Greenspan Commission of 1983. http://www.cnbc.com/id/34941334 Like President Carter's fix in the late '70's, the Greenspan Commission's recommendations of benefit cuts and tax hikes spared current retirees and supposedly fixed the problem for "30 years."
You might be telling yourself, "What about the Trust Funds? Richard forgot about the trust funds!" My short answer is, "What trust? What funds? And what security?"
The reality of the situation is that the trust funds and $3 will buy you a cup of coffee at Starbucks. Now let's look at the math and why Social Security needs a bailout.
Next in line for a bailout: Social Security
By Allan Sloan, senior editor at large, Fortune magazine
February 2, 2010
NEW YORK (Fortune) -- Don't look now. But even as the bank bailout is winding down, another huge bailout is starting, this time for the Social Security system.
A report from the Congressional Budget Office shows that for the first time in 25 years, Social Security is taking in less in taxes than it is spending on benefits.
Instead of helping to finance the rest of the government, as it has done for decades, our nation's biggest social program needs help from the Treasury to keep benefit checks from bouncing -- in other words, a taxpayer bailout.
No one has officially announced that Social Security will be cash-negative this year. But you can figure it out for yourself, as I did, by comparing two numbers in the recent federal budget update that the nonpartisan CBO issued last week.
The first number is $120 billion, the interest that Social Security will earn on its trust fund in fiscal 2010 (see page 74 of the CBO report). The second is $92 billion, the overall Social Security surplus for fiscal 2010 (see page 116).
This means that without the interest income, Social Security will be $28 billion in the hole this fiscal year, which ends Sept. 30.
Why disregard the interest? Because as people like me have said repeatedly over the years, the interest, which consists of Treasury IOUs that the Social Security trust fund gets on its holdings of government securities, doesn't provide Social Security with any cash that it can use to pay its bills. The interest is merely an accounting entry with no economic significance.
The last sentence might have grabbed your attention. Surprised me to see it in a mainstream publication like Fortune magazine. Maybe it shouldn't surprise us. How do you pay your business expenses, with cash or with accounts receivables? Of course, you can't pay bills with IOU's unless you first convert the IOU's into cash. Same problem for the federal government except that Uncle Sam is already borrowing over a trillion dollars this year.
You can read the rest of the Fortune article here: http://money.cnn.com/2010/02/02/news/economy/social_security_bailout.fortune/index.htm
So how do you apply your marketing mindset to handle this situation? In your office, you deal with each person or couple based on their situation. Social Security is just one more (obviously major) factor to consider.
All of your clients who are still in the work force should be reminded that Social Security was never intended to be the mainstay of a person's retirement income. So they should be encouraged to work longer and save more and not retire until they have enough money invested to outlast their expected lifetimes.
Gen X'rs can get your sympathy: A worker earning $95,000 per year who expects to retire in 2045 will pay in $200,000 more in Social Security taxes than he or she will receive in benefits. Ouch.
For your retired clients, you can use annual reviews to compare their retirement nest egg against their life expectancy. Maybe they should go back to work. Or cut their expenses. Or sell their home, downsize and invest the difference.
What if you're asked this question on your radio show? Well, you need to be careful so you don't needlessly inflame your listeners. Here are some possibilities:
You can blame Congress for spending the Social Security trust funds.
You can blame Congress for not acting sooner (and reminding your listeners that Congress still needs to act on the federal estate tax situation).
You can say that everyone's situation is different so you can't offer financial advice without more information (kinda wimpy but might result in a visit to your office)
You can offer general advice that Social Security has never been a complete substitute for comprehensive retirement planning.
My mother taught me long ago, "If you don't have something nice to say, don't say anything." Kind of tough in this situation. How about, "Social Security has been a nice deal for the past 77 years and who knows what the future will bring?"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Will Baby Boomers Bankrupt Social Security?
As the record federal budget deficit draws increasing scrutiny from Washington to Wall Street to Main Street, deficit hawks may take aim at entitlement programs including Social Security.
And, the nearly 80 million Baby Boomers phasing into retirement will set in motion a dynamic that—if not addressed by Congress—could result in the next generation getting fewer benefits.
After some soothing words about the strength of the 'trust fund", the article describes the affect of the Baby Boom generation:
Looking back, the outlook was rosy for most Americans in 1946, the year earmarked as the beginning of the so-called “baby boom.” With World War II finally over, a 15-year stretch of bad times that had begun with the great Depression was finally over. They responded by having more babies than ever before, more than 78 million of them by 1964.
For Social Security, the mini-population explosion was both beneficial and problematic. Social Security is funded mostly through payroll taxes, with present-day workers funding the payouts for retirees. Since there have been so many Boomers in the workforce for so many years, there were a lot more people putting money into the system than taking it out.
As Boomers begin to retire, the huge group of people putting money into the system will begin taking it out of the system, which then will be funded by a generation of workers—the so-called Gen X—whose numbers are some 15 million fewer. The surplus of money paid into the system by Boomers will allow it to run into the late 2030s, even though it will begin paying out more than it takes in by 2017.
Before I show how the 2017 forecast won't happen, let's listen to a Gen X'r to get a taste of the coming divide:
Count Gen-Xer Tom Firey among those younger workers who think they’re getting the short end of the stick. The managing editor of the conservative Cato Institute magazine, Regulation, first wrote about the subject nearly 10 years ago in a column headlined, “Boomers Fleece Generation X with Social Security.”
“Ever since we Gen-X/Yers began working, we've paid 12.4 percent of our earnings to Social Security,” he wrote. “In contrast, the Boomers will get a bargain. When they entered the workforce in the late 1960s, they paid only 6.5 percent of their earnings to Social Security. Only from 1990 on, when the Boomers had earned paychecks for a quarter-century, did they start paying 12.4 percent to Social Security, the same percentage we Gen-X/Yers have paid our whole lives.”
That’s why Firey dubbed it The Boomers’ Bargain: “They've paid less of their earnings into Social Security than we Gen-X/Yers, yet they'll receive more in benefits than we will and we'll pick up the tab.”
As often comes with age, Firey has mellowed some in the past 10 years, even injecting dark humor into his outlook today. He says, "The last two generations gave themselves some additional retirement benefits just before they left the workforce. The World War II generation gave itself annual COLA (cost-of-living allowance) raises in 1975, and the boomers gave themselves the prescription drug benefit earlier this decade.”
“In essence, these generations said, ‘I'm not willing to pay for these new benefits for myself, but I'm happy to force my kids and grandkids to pay for these benefits for me,’ “Firey added.
You can read the rest to learn about the Greenspan Commission of 1983. http://www.cnbc.com/id/34941334 Like President Carter's fix in the late '70's, the Greenspan Commission's recommendations of benefit cuts and tax hikes spared current retirees and supposedly fixed the problem for "30 years."
You might be telling yourself, "What about the Trust Funds? Richard forgot about the trust funds!" My short answer is, "What trust? What funds? And what security?"
The reality of the situation is that the trust funds and $3 will buy you a cup of coffee at Starbucks. Now let's look at the math and why Social Security needs a bailout.
Next in line for a bailout: Social Security
By Allan Sloan, senior editor at large, Fortune magazine
February 2, 2010
NEW YORK (Fortune) -- Don't look now. But even as the bank bailout is winding down, another huge bailout is starting, this time for the Social Security system.
A report from the Congressional Budget Office shows that for the first time in 25 years, Social Security is taking in less in taxes than it is spending on benefits.
Instead of helping to finance the rest of the government, as it has done for decades, our nation's biggest social program needs help from the Treasury to keep benefit checks from bouncing -- in other words, a taxpayer bailout.
No one has officially announced that Social Security will be cash-negative this year. But you can figure it out for yourself, as I did, by comparing two numbers in the recent federal budget update that the nonpartisan CBO issued last week.
The first number is $120 billion, the interest that Social Security will earn on its trust fund in fiscal 2010 (see page 74 of the CBO report). The second is $92 billion, the overall Social Security surplus for fiscal 2010 (see page 116).
This means that without the interest income, Social Security will be $28 billion in the hole this fiscal year, which ends Sept. 30.
Why disregard the interest? Because as people like me have said repeatedly over the years, the interest, which consists of Treasury IOUs that the Social Security trust fund gets on its holdings of government securities, doesn't provide Social Security with any cash that it can use to pay its bills. The interest is merely an accounting entry with no economic significance.
The last sentence might have grabbed your attention. Surprised me to see it in a mainstream publication like Fortune magazine. Maybe it shouldn't surprise us. How do you pay your business expenses, with cash or with accounts receivables? Of course, you can't pay bills with IOU's unless you first convert the IOU's into cash. Same problem for the federal government except that Uncle Sam is already borrowing over a trillion dollars this year.
You can read the rest of the Fortune article here: http://money.cnn.com/2010/02/02/news/economy/social_security_bailout.fortune/index.htm
So how do you apply your marketing mindset to handle this situation? In your office, you deal with each person or couple based on their situation. Social Security is just one more (obviously major) factor to consider.
All of your clients who are still in the work force should be reminded that Social Security was never intended to be the mainstay of a person's retirement income. So they should be encouraged to work longer and save more and not retire until they have enough money invested to outlast their expected lifetimes.
Gen X'rs can get your sympathy: A worker earning $95,000 per year who expects to retire in 2045 will pay in $200,000 more in Social Security taxes than he or she will receive in benefits. Ouch.
For your retired clients, you can use annual reviews to compare their retirement nest egg against their life expectancy. Maybe they should go back to work. Or cut their expenses. Or sell their home, downsize and invest the difference.
What if you're asked this question on your radio show? Well, you need to be careful so you don't needlessly inflame your listeners. Here are some possibilities:
You can blame Congress for spending the Social Security trust funds.
You can blame Congress for not acting sooner (and reminding your listeners that Congress still needs to act on the federal estate tax situation).
You can say that everyone's situation is different so you can't offer financial advice without more information (kinda wimpy but might result in a visit to your office)
You can offer general advice that Social Security has never been a complete substitute for comprehensive retirement planning.
My mother taught me long ago, "If you don't have something nice to say, don't say anything." Kind of tough in this situation. How about, "Social Security has been a nice deal for the past 77 years and who knows what the future will bring?"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing on the Latest Social Security Bailout
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing on the Latest Social Security Bailout
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=443
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=443
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 444
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
httpv://www.youtube.com/watch?v=WQfi7tiGzOQ
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
httpv://www.youtube.com/watch?v=WQfi7tiGzOQ
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Better Business Cards
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Better Business Cards
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=444
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=444
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
httpv://www.youtube.com/watch?v=WQfi7tiGzOQ
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
httpv://www.youtube.com/watch?v=WQfi7tiGzOQ
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Better Business Cards
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Better Business Cards
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
httpv://www.youtube.com/watch?v=WQfi7tiGzOQ
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
httpv://www.youtube.com/watch?v=WQfi7tiGzOQ
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Better Business Cards
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Better Business Cards
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 444
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 444
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/444-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/444-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 447
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 447
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 10:09:28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 10:09:28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 18:09:28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 18:09:28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
httpv://www.youtube.com/watch?v=WQfi7tiGzOQ
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
httpv://www.youtube.com/watch?v=WQfi7tiGzOQ
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Better Business Cards
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Better Business Cards
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 444-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 444-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 10:09:28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 10:09:28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 18:09:28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 18:09:28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 444
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 444
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/444-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/444-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 448
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 448
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 10:10:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 10:10:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 18:10:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 18:10:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
httpv://www.youtube.com/watch?v=WQfi7tiGzOQ
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
httpv://www.youtube.com/watch?v=WQfi7tiGzOQ
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Better Business Cards
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Better Business Cards
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 444-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 444-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 10:10:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 10:10:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 18:10:09
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 18:10:09
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 444
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 444
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/444-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/444-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 449
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 449
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 10:10:11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 10:10:11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 18:10:11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 18:10:11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
httpv://www.youtube.com/watch?v=WQfi7tiGzOQ
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
httpv://www.youtube.com/watch?v=WQfi7tiGzOQ
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Better Business Cards
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Better Business Cards
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 444-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 444-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 10:10:11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 10:10:11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 18:10:11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 18:10:11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 444
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 444
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/444-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/444-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 450
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 450
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 11:06:40
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 11:06:40
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 19:06:40
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 19:06:40
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
Financial advisors need to walk a fine line here. You have clients born before 1946 when the baby boomers first came on the scene. You have baby boomer clients who have retired after paying into Social Security their entire working careers. Other Baby Boomers have paid into Social Security for decades who won't receive full benefits until age 67. You may have a growing number of Gen X/Y clients who will pay the most into Social Security and get the fewest benefits.
A couple recent articles underscored the coming generational battle over funding Social Security and who gets what benefits. One article on CNBC.com placed the blame squarely on the shoulders of the Baby Boomers:
Will Baby Boomers Bankrupt Social Security?
As the record federal budget deficit draws increasing scrutiny from Washington to Wall Street to Main Street, deficit hawks may take aim at entitlement programs including Social Security.
And, the nearly 80 million Baby Boomers phasing into retirement will set in motion a dynamic that—if not addressed by Congress—could result in the next generation getting fewer benefits.
After some soothing words about the strength of the 'trust fund", the article describes the affect of the Baby Boom generation:
Looking back, the outlook was rosy for most Americans in 1946, the year earmarked as the beginning of the so-called “baby boom.” With World War II finally over, a 15-year stretch of bad times that had begun with the great Depression was finally over. They responded by having more babies than ever before, more than 78 million of them by 1964.
For Social Security, the mini-population explosion was both beneficial and problematic. Social Security is funded mostly through payroll taxes, with present-day workers funding the payouts for retirees. Since there have been so many Boomers in the workforce for so many years, there were a lot more people putting money into the system than taking it out.
As Boomers begin to retire, the huge group of people putting money into the system will begin taking it out of the system, which then will be funded by a generation of workers—the so-called Gen X—whose numbers are some 15 million fewer. The surplus of money paid into the system by Boomers will allow it to run into the late 2030s, even though it will begin paying out more than it takes in by 2017.
Before I show how the 2017 forecast won't happen, let's listen to a Gen X'r to get a taste of the coming divide:
Count Gen-Xer Tom Firey among those younger workers who think they’re getting the short end of the stick. The managing editor of the conservative Cato Institute magazine, Regulation, first wrote about the subject nearly 10 years ago in a column headlined, “Boomers Fleece Generation X with Social Security.”
“Ever since we Gen-X/Yers began working, we've paid 12.4 percent of our earnings to Social Security,” he wrote. “In contrast, the Boomers will get a bargain. When they entered the workforce in the late 1960s, they paid only 6.5 percent of their earnings to Social Security. Only from 1990 on, when the Boomers had earned paychecks for a quarter-century, did they start paying 12.4 percent to Social Security, the same percentage we Gen-X/Yers have paid our whole lives.”
That’s why Firey dubbed it The Boomers’ Bargain: “They've paid less of their earnings into Social Security than we Gen-X/Yers, yet they'll receive more in benefits than we will and we'll pick up the tab.”
As often comes with age, Firey has mellowed some in the past 10 years, even injecting dark humor into his outlook today. He says, "The last two generations gave themselves some additional retirement benefits just before they left the workforce. The World War II generation gave itself annual COLA (cost-of-living allowance) raises in 1975, and the boomers gave themselves the prescription drug benefit earlier this decade.”
“In essence, these generations said, ‘I'm not willing to pay for these new benefits for myself, but I'm happy to force my kids and grandkids to pay for these benefits for me,’ “Firey added.
You can read the rest to learn about the Greenspan Commission of 1983. http://www.cnbc.com/id/34941334 Like President Carter's fix in the late '70's, the Greenspan Commission's recommendations of benefit cuts and tax hikes spared current retirees and supposedly fixed the problem for "30 years."
You might be telling yourself, "What about the Trust Funds? Richard forgot about the trust funds!" My short answer is, "What trust? What funds? And what security?"
The reality of the situation is that the trust funds and $3 will buy you a cup of coffee at Starbucks. Let's look at article #2....
http://money.cnn.com/2010/02/02/news/economy/social_security_bailout.fortune/index.htm
You need to alert your working clients of the hazards of depending on Social Security payments without frightening your older clients who haven't worked in decades. You need to encourage your clients to save more now because Social Security may not be there for them.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
Financial advisors need to walk a fine line here. You have clients born before 1946 when the baby boomers first came on the scene. You have baby boomer clients who have retired after paying into Social Security their entire working careers. Other Baby Boomers have paid into Social Security for decades who won't receive full benefits until age 67. You may have a growing number of Gen X/Y clients who will pay the most into Social Security and get the fewest benefits.
A couple recent articles underscored the coming generational battle over funding Social Security and who gets what benefits. One article on CNBC.com placed the blame squarely on the shoulders of the Baby Boomers:
Will Baby Boomers Bankrupt Social Security?
As the record federal budget deficit draws increasing scrutiny from Washington to Wall Street to Main Street, deficit hawks may take aim at entitlement programs including Social Security.
And, the nearly 80 million Baby Boomers phasing into retirement will set in motion a dynamic that—if not addressed by Congress—could result in the next generation getting fewer benefits.
After some soothing words about the strength of the 'trust fund", the article describes the affect of the Baby Boom generation:
Looking back, the outlook was rosy for most Americans in 1946, the year earmarked as the beginning of the so-called “baby boom.” With World War II finally over, a 15-year stretch of bad times that had begun with the great Depression was finally over. They responded by having more babies than ever before, more than 78 million of them by 1964.
For Social Security, the mini-population explosion was both beneficial and problematic. Social Security is funded mostly through payroll taxes, with present-day workers funding the payouts for retirees. Since there have been so many Boomers in the workforce for so many years, there were a lot more people putting money into the system than taking it out.
As Boomers begin to retire, the huge group of people putting money into the system will begin taking it out of the system, which then will be funded by a generation of workers—the so-called Gen X—whose numbers are some 15 million fewer. The surplus of money paid into the system by Boomers will allow it to run into the late 2030s, even though it will begin paying out more than it takes in by 2017.
Before I show how the 2017 forecast won't happen, let's listen to a Gen X'r to get a taste of the coming divide:
Count Gen-Xer Tom Firey among those younger workers who think they’re getting the short end of the stick. The managing editor of the conservative Cato Institute magazine, Regulation, first wrote about the subject nearly 10 years ago in a column headlined, “Boomers Fleece Generation X with Social Security.”
“Ever since we Gen-X/Yers began working, we've paid 12.4 percent of our earnings to Social Security,” he wrote. “In contrast, the Boomers will get a bargain. When they entered the workforce in the late 1960s, they paid only 6.5 percent of their earnings to Social Security. Only from 1990 on, when the Boomers had earned paychecks for a quarter-century, did they start paying 12.4 percent to Social Security, the same percentage we Gen-X/Yers have paid our whole lives.”
That’s why Firey dubbed it The Boomers’ Bargain: “They've paid less of their earnings into Social Security than we Gen-X/Yers, yet they'll receive more in benefits than we will and we'll pick up the tab.”
As often comes with age, Firey has mellowed some in the past 10 years, even injecting dark humor into his outlook today. He says, "The last two generations gave themselves some additional retirement benefits just before they left the workforce. The World War II generation gave itself annual COLA (cost-of-living allowance) raises in 1975, and the boomers gave themselves the prescription drug benefit earlier this decade.”
“In essence, these generations said, ‘I'm not willing to pay for these new benefits for myself, but I'm happy to force my kids and grandkids to pay for these benefits for me,’ “Firey added.
You can read the rest to learn about the Greenspan Commission of 1983. http://www.cnbc.com/id/34941334 Like President Carter's fix in the late '70's, the Greenspan Commission's recommendations of benefit cuts and tax hikes spared current retirees and supposedly fixed the problem for "30 years."
You might be telling yourself, "What about the Trust Funds? Richard forgot about the trust funds!" My short answer is, "What trust? What funds? And what security?"
The reality of the situation is that the trust funds and $3 will buy you a cup of coffee at Starbucks. Let's look at article #2....
http://money.cnn.com/2010/02/02/news/economy/social_security_bailout.fortune/index.htm
You need to alert your working clients of the hazards of depending on Social Security payments without frightening your older clients who haven't worked in decades. You need to encourage your clients to save more now because Social Security may not be there for them.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing to Boomers on Social Security
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing to Boomers on Social Security
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 443-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 443-revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 11:06:40
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 11:06:40
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 19:06:40
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 19:06:40
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 443
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 443
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/443-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/443-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 451
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 451
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 12:09:36
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 12:09:36
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 20:09:36
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 20:09:36
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
Financial advisors need to walk a fine line here. You have clients born before 1946 when the baby boomers first came on the scene. You have baby boomer clients who have retired after paying into Social Security their entire working careers. Other Baby Boomers have paid into Social Security for decades who won't receive full benefits until age 67. You may have a growing number of Gen X/Y clients who will pay the most into Social Security and get the fewest benefits.
A couple recent articles underscored the coming generational battle over funding Social Security and who gets what benefits. One article on CNBC.com placed the blame squarely on the shoulders of the Baby Boomers:
Will Baby Boomers Bankrupt Social Security?
As the record federal budget deficit draws increasing scrutiny from Washington to Wall Street to Main Street, deficit hawks may take aim at entitlement programs including Social Security.
And, the nearly 80 million Baby Boomers phasing into retirement will set in motion a dynamic that—if not addressed by Congress—could result in the next generation getting fewer benefits.
After some soothing words about the strength of the 'trust fund", the article describes the affect of the Baby Boom generation:
Looking back, the outlook was rosy for most Americans in 1946, the year earmarked as the beginning of the so-called “baby boom.” With World War II finally over, a 15-year stretch of bad times that had begun with the great Depression was finally over. They responded by having more babies than ever before, more than 78 million of them by 1964.
For Social Security, the mini-population explosion was both beneficial and problematic. Social Security is funded mostly through payroll taxes, with present-day workers funding the payouts for retirees. Since there have been so many Boomers in the workforce for so many years, there were a lot more people putting money into the system than taking it out.
As Boomers begin to retire, the huge group of people putting money into the system will begin taking it out of the system, which then will be funded by a generation of workers—the so-called Gen X—whose numbers are some 15 million fewer. The surplus of money paid into the system by Boomers will allow it to run into the late 2030s, even though it will begin paying out more than it takes in by 2017.
Before I show how the 2017 forecast won't happen, let's listen to a Gen X'r to get a taste of the coming divide:
Count Gen-Xer Tom Firey among those younger workers who think they’re getting the short end of the stick. The managing editor of the conservative Cato Institute magazine, Regulation, first wrote about the subject nearly 10 years ago in a column headlined, “Boomers Fleece Generation X with Social Security.”
“Ever since we Gen-X/Yers began working, we've paid 12.4 percent of our earnings to Social Security,” he wrote. “In contrast, the Boomers will get a bargain. When they entered the workforce in the late 1960s, they paid only 6.5 percent of their earnings to Social Security. Only from 1990 on, when the Boomers had earned paychecks for a quarter-century, did they start paying 12.4 percent to Social Security, the same percentage we Gen-X/Yers have paid our whole lives.”
That’s why Firey dubbed it The Boomers’ Bargain: “They've paid less of their earnings into Social Security than we Gen-X/Yers, yet they'll receive more in benefits than we will and we'll pick up the tab.”
As often comes with age, Firey has mellowed some in the past 10 years, even injecting dark humor into his outlook today. He says, "The last two generations gave themselves some additional retirement benefits just before they left the workforce. The World War II generation gave itself annual COLA (cost-of-living allowance) raises in 1975, and the boomers gave themselves the prescription drug benefit earlier this decade.”
“In essence, these generations said, ‘I'm not willing to pay for these new benefits for myself, but I'm happy to force my kids and grandkids to pay for these benefits for me,’ “Firey added.
You can read the rest to learn about the Greenspan Commission of 1983. http://www.cnbc.com/id/34941334 Like President Carter's fix in the late '70's, the Greenspan Commission's recommendations of benefit cuts and tax hikes spared current retirees and supposedly fixed the problem for "30 years."
You might be telling yourself, "What about the Trust Funds? Richard forgot about the trust funds!" My short answer is, "What trust? What funds? And what security?"
The reality of the situation is that the trust funds and $3 will buy you a cup of coffee at Starbucks. Now let's look at the math and why Social Security needs a bailout.
Next in line for a bailout: Social Security
By Allan Sloan, senior editor at large, Fortune magazine
February 2, 2010
NEW YORK (Fortune) -- Don't look now. But even as the bank bailout is winding down, another huge bailout is starting, this time for the Social Security system.
A report from the Congressional Budget Office shows that for the first time in 25 years, Social Security is taking in less in taxes than it is spending on benefits.
Instead of helping to finance the rest of the government, as it has done for decades, our nation's biggest social program needs help from the Treasury to keep benefit checks from bouncing -- in other words, a taxpayer bailout.
No one has officially announced that Social Security will be cash-negative this year. But you can figure it out for yourself, as I did, by comparing two numbers in the recent federal budget update that the nonpartisan CBO issued last week.
The first number is $120 billion, the interest that Social Security will earn on its trust fund in fiscal 2010 (see page 74 of the CBO report). The second is $92 billion, the overall Social Security surplus for fiscal 2010 (see page 116).
This means that without the interest income, Social Security will be $28 billion in the hole this fiscal year, which ends Sept. 30.
Why disregard the interest? Because as people like me have said repeatedly over the years, the interest, which consists of Treasury IOUs that the Social Security trust fund gets on its holdings of government securities, doesn't provide Social Security with any cash that it can use to pay its bills. The interest is merely an accounting entry with no economic significance.
The last sentence might have grabbed your attention. Surprised me to see it in a mainstream publication like Fortune magazine. Maybe it shouldn't surprise us. How do you pay your business expenses, with cash or with accounts receivables? Of course, you can't pay bills with IOU's unless you first convert the IOU's into cash. Same problem for the federal government except that Uncle Sam is already borrowing over a trillion dollars this year.
You can read the rest of the Fortune article here: http://money.cnn.com/2010/02/02/news/economy/social_security_bailout.fortune/index.htm
So how do you apply your marketing mindset to handle this situation? In your office, you deal with each person or couple based on their situation. Social Security is just one more (obviously major) factor to consider.
All of your clients who are still in the work force should be reminded that Social Security was never intended to be the mainstay of a person's retirement income. So they should be encouraged to work longer and save more and not retire until they have enough money invested to outlast their expected lifetimes.
Gen X'rs can get your sympathy: A worker earning $95,000 per year who expects to retire in 2045 will pay in $200,000 more in Social Security taxes than he or she will receive in benefits. Ouch.
For your retired clients, you can use annual reviews to compare their retirement nest egg against their life expectancy. Maybe they should go back to work. Or cut their expenses. Or sell their home, downsize and invest the difference.
What if you're asked this question on your radio show? Well, you need to be careful so you don't needlessly inflame your listeners. Here are some possibilities:
You can blame Congress for spending the Social Security trust funds.
You can blame Congress for not acting sooner (and reminding your listeners that Congress still needs to act on the federal estate tax situation).
You can say that everyone's situation is different so you can't offer financial advice without more information (kinda wimpy but might result in a visit to your office)
You can offer general advice that Social Security has never been a complete substitute for comprehensive retirement planning.
My mother taught me long ago, "If you don't have something nice to say, don't say anything." Kind of tough in this situation. How about, "Social Security has been a nice deal for the past 77 years and who knows what the future will bring?"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
Financial advisors need to walk a fine line here. You have clients born before 1946 when the baby boomers first came on the scene. You have baby boomer clients who have retired after paying into Social Security their entire working careers. Other Baby Boomers have paid into Social Security for decades who won't receive full benefits until age 67. You may have a growing number of Gen X/Y clients who will pay the most into Social Security and get the fewest benefits.
A couple recent articles underscored the coming generational battle over funding Social Security and who gets what benefits. One article on CNBC.com placed the blame squarely on the shoulders of the Baby Boomers:
Will Baby Boomers Bankrupt Social Security?
As the record federal budget deficit draws increasing scrutiny from Washington to Wall Street to Main Street, deficit hawks may take aim at entitlement programs including Social Security.
And, the nearly 80 million Baby Boomers phasing into retirement will set in motion a dynamic that—if not addressed by Congress—could result in the next generation getting fewer benefits.
After some soothing words about the strength of the 'trust fund", the article describes the affect of the Baby Boom generation:
Looking back, the outlook was rosy for most Americans in 1946, the year earmarked as the beginning of the so-called “baby boom.” With World War II finally over, a 15-year stretch of bad times that had begun with the great Depression was finally over. They responded by having more babies than ever before, more than 78 million of them by 1964.
For Social Security, the mini-population explosion was both beneficial and problematic. Social Security is funded mostly through payroll taxes, with present-day workers funding the payouts for retirees. Since there have been so many Boomers in the workforce for so many years, there were a lot more people putting money into the system than taking it out.
As Boomers begin to retire, the huge group of people putting money into the system will begin taking it out of the system, which then will be funded by a generation of workers—the so-called Gen X—whose numbers are some 15 million fewer. The surplus of money paid into the system by Boomers will allow it to run into the late 2030s, even though it will begin paying out more than it takes in by 2017.
Before I show how the 2017 forecast won't happen, let's listen to a Gen X'r to get a taste of the coming divide:
Count Gen-Xer Tom Firey among those younger workers who think they’re getting the short end of the stick. The managing editor of the conservative Cato Institute magazine, Regulation, first wrote about the subject nearly 10 years ago in a column headlined, “Boomers Fleece Generation X with Social Security.”
“Ever since we Gen-X/Yers began working, we've paid 12.4 percent of our earnings to Social Security,” he wrote. “In contrast, the Boomers will get a bargain. When they entered the workforce in the late 1960s, they paid only 6.5 percent of their earnings to Social Security. Only from 1990 on, when the Boomers had earned paychecks for a quarter-century, did they start paying 12.4 percent to Social Security, the same percentage we Gen-X/Yers have paid our whole lives.”
That’s why Firey dubbed it The Boomers’ Bargain: “They've paid less of their earnings into Social Security than we Gen-X/Yers, yet they'll receive more in benefits than we will and we'll pick up the tab.”
As often comes with age, Firey has mellowed some in the past 10 years, even injecting dark humor into his outlook today. He says, "The last two generations gave themselves some additional retirement benefits just before they left the workforce. The World War II generation gave itself annual COLA (cost-of-living allowance) raises in 1975, and the boomers gave themselves the prescription drug benefit earlier this decade.”
“In essence, these generations said, ‘I'm not willing to pay for these new benefits for myself, but I'm happy to force my kids and grandkids to pay for these benefits for me,’ “Firey added.
You can read the rest to learn about the Greenspan Commission of 1983. http://www.cnbc.com/id/34941334 Like President Carter's fix in the late '70's, the Greenspan Commission's recommendations of benefit cuts and tax hikes spared current retirees and supposedly fixed the problem for "30 years."
You might be telling yourself, "What about the Trust Funds? Richard forgot about the trust funds!" My short answer is, "What trust? What funds? And what security?"
The reality of the situation is that the trust funds and $3 will buy you a cup of coffee at Starbucks. Now let's look at the math and why Social Security needs a bailout.
Next in line for a bailout: Social Security
By Allan Sloan, senior editor at large, Fortune magazine
February 2, 2010
NEW YORK (Fortune) -- Don't look now. But even as the bank bailout is winding down, another huge bailout is starting, this time for the Social Security system.
A report from the Congressional Budget Office shows that for the first time in 25 years, Social Security is taking in less in taxes than it is spending on benefits.
Instead of helping to finance the rest of the government, as it has done for decades, our nation's biggest social program needs help from the Treasury to keep benefit checks from bouncing -- in other words, a taxpayer bailout.
No one has officially announced that Social Security will be cash-negative this year. But you can figure it out for yourself, as I did, by comparing two numbers in the recent federal budget update that the nonpartisan CBO issued last week.
The first number is $120 billion, the interest that Social Security will earn on its trust fund in fiscal 2010 (see page 74 of the CBO report). The second is $92 billion, the overall Social Security surplus for fiscal 2010 (see page 116).
This means that without the interest income, Social Security will be $28 billion in the hole this fiscal year, which ends Sept. 30.
Why disregard the interest? Because as people like me have said repeatedly over the years, the interest, which consists of Treasury IOUs that the Social Security trust fund gets on its holdings of government securities, doesn't provide Social Security with any cash that it can use to pay its bills. The interest is merely an accounting entry with no economic significance.
The last sentence might have grabbed your attention. Surprised me to see it in a mainstream publication like Fortune magazine. Maybe it shouldn't surprise us. How do you pay your business expenses, with cash or with accounts receivables? Of course, you can't pay bills with IOU's unless you first convert the IOU's into cash. Same problem for the federal government except that Uncle Sam is already borrowing over a trillion dollars this year.
You can read the rest of the Fortune article here: http://money.cnn.com/2010/02/02/news/economy/social_security_bailout.fortune/index.htm
So how do you apply your marketing mindset to handle this situation? In your office, you deal with each person or couple based on their situation. Social Security is just one more (obviously major) factor to consider.
All of your clients who are still in the work force should be reminded that Social Security was never intended to be the mainstay of a person's retirement income. So they should be encouraged to work longer and save more and not retire until they have enough money invested to outlast their expected lifetimes.
Gen X'rs can get your sympathy: A worker earning $95,000 per year who expects to retire in 2045 will pay in $200,000 more in Social Security taxes than he or she will receive in benefits. Ouch.
For your retired clients, you can use annual reviews to compare their retirement nest egg against their life expectancy. Maybe they should go back to work. Or cut their expenses. Or sell their home, downsize and invest the difference.
What if you're asked this question on your radio show? Well, you need to be careful so you don't needlessly inflame your listeners. Here are some possibilities:
You can blame Congress for spending the Social Security trust funds.
You can blame Congress for not acting sooner (and reminding your listeners that Congress still needs to act on the federal estate tax situation).
You can say that everyone's situation is different so you can't offer financial advice without more information (kinda wimpy but might result in a visit to your office)
You can offer general advice that Social Security has never been a complete substitute for comprehensive retirement planning.
My mother taught me long ago, "If you don't have something nice to say, don't say anything." Kind of tough in this situation. How about, "Social Security has been a nice deal for the past 77 years and who knows what the future will bring?"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing to Boomers on Social Security
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing to Boomers on Social Security
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/443-revision-2/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
Financial advisors need to walk a fine line here. You have clients born before 1946 when the baby boomers first came on the scene. You have baby boomer clients who have retired after paying into Social Security their entire working careers. Other Baby Boomers have paid into Social Security for decades who won't receive full benefits until age 67. You may have a growing number of Gen X/Y clients who will pay the most into Social Security and get the fewest benefits.
A couple recent articles underscored the coming generational battle over funding Social Security and who gets what benefits. One article on CNBC.com placed the blame squarely on the shoulders of the Baby Boomers:
Will Baby Boomers Bankrupt Social Security?
As the record federal budget deficit draws increasing scrutiny from Washington to Wall Street to Main Street, deficit hawks may take aim at entitlement programs including Social Security.
And, the nearly 80 million Baby Boomers phasing into retirement will set in motion a dynamic that—if not addressed by Congress—could result in the next generation getting fewer benefits.
After some soothing words about the strength of the 'trust fund", the article describes the affect of the Baby Boom generation:
Looking back, the outlook was rosy for most Americans in 1946, the year earmarked as the beginning of the so-called “baby boom.” With World War II finally over, a 15-year stretch of bad times that had begun with the great Depression was finally over. They responded by having more babies than ever before, more than 78 million of them by 1964.
For Social Security, the mini-population explosion was both beneficial and problematic. Social Security is funded mostly through payroll taxes, with present-day workers funding the payouts for retirees. Since there have been so many Boomers in the workforce for so many years, there were a lot more people putting money into the system than taking it out.
As Boomers begin to retire, the huge group of people putting money into the system will begin taking it out of the system, which then will be funded by a generation of workers—the so-called Gen X—whose numbers are some 15 million fewer. The surplus of money paid into the system by Boomers will allow it to run into the late 2030s, even though it will begin paying out more than it takes in by 2017.
Before I show how the 2017 forecast won't happen, let's listen to a Gen X'r to get a taste of the coming divide:
Count Gen-Xer Tom Firey among those younger workers who think they’re getting the short end of the stick. The managing editor of the conservative Cato Institute magazine, Regulation, first wrote about the subject nearly 10 years ago in a column headlined, “Boomers Fleece Generation X with Social Security.”
“Ever since we Gen-X/Yers began working, we've paid 12.4 percent of our earnings to Social Security,” he wrote. “In contrast, the Boomers will get a bargain. When they entered the workforce in the late 1960s, they paid only 6.5 percent of their earnings to Social Security. Only from 1990 on, when the Boomers had earned paychecks for a quarter-century, did they start paying 12.4 percent to Social Security, the same percentage we Gen-X/Yers have paid our whole lives.”
That’s why Firey dubbed it The Boomers’ Bargain: “They've paid less of their earnings into Social Security than we Gen-X/Yers, yet they'll receive more in benefits than we will and we'll pick up the tab.”
As often comes with age, Firey has mellowed some in the past 10 years, even injecting dark humor into his outlook today. He says, "The last two generations gave themselves some additional retirement benefits just before they left the workforce. The World War II generation gave itself annual COLA (cost-of-living allowance) raises in 1975, and the boomers gave themselves the prescription drug benefit earlier this decade.”
“In essence, these generations said, ‘I'm not willing to pay for these new benefits for myself, but I'm happy to force my kids and grandkids to pay for these benefits for me,’ “Firey added.
You can read the rest to learn about the Greenspan Commission of 1983. http://www.cnbc.com/id/34941334 Like President Carter's fix in the late '70's, the Greenspan Commission's recommendations of benefit cuts and tax hikes spared current retirees and supposedly fixed the problem for "30 years."
You might be telling yourself, "What about the Trust Funds? Richard forgot about the trust funds!" My short answer is, "What trust? What funds? And what security?"
The reality of the situation is that the trust funds and $3 will buy you a cup of coffee at Starbucks. Now let's look at the math and why Social Security needs a bailout.
Next in line for a bailout: Social Security
By Allan Sloan, senior editor at large, Fortune magazine
February 2, 2010
NEW YORK (Fortune) -- Don't look now. But even as the bank bailout is winding down, another huge bailout is starting, this time for the Social Security system.
A report from the Congressional Budget Office shows that for the first time in 25 years, Social Security is taking in less in taxes than it is spending on benefits.
Instead of helping to finance the rest of the government, as it has done for decades, our nation's biggest social program needs help from the Treasury to keep benefit checks from bouncing -- in other words, a taxpayer bailout.
No one has officially announced that Social Security will be cash-negative this year. But you can figure it out for yourself, as I did, by comparing two numbers in the recent federal budget update that the nonpartisan CBO issued last week.
The first number is $120 billion, the interest that Social Security will earn on its trust fund in fiscal 2010 (see page 74 of the CBO report). The second is $92 billion, the overall Social Security surplus for fiscal 2010 (see page 116).
This means that without the interest income, Social Security will be $28 billion in the hole this fiscal year, which ends Sept. 30.
Why disregard the interest? Because as people like me have said repeatedly over the years, the interest, which consists of Treasury IOUs that the Social Security trust fund gets on its holdings of government securities, doesn't provide Social Security with any cash that it can use to pay its bills. The interest is merely an accounting entry with no economic significance.
The last sentence might have grabbed your attention. Surprised me to see it in a mainstream publication like Fortune magazine. Maybe it shouldn't surprise us. How do you pay your business expenses, with cash or with accounts receivables? Of course, you can't pay bills with IOU's unless you first convert the IOU's into cash. Same problem for the federal government except that Uncle Sam is already borrowing over a trillion dollars this year.
You can read the rest of the Fortune article here: http://money.cnn.com/2010/02/02/news/economy/social_security_bailout.fortune/index.htm
So how do you apply your marketing mindset to handle this situation? In your office, you deal with each person or couple based on their situation. Social Security is just one more (obviously major) factor to consider.
All of your clients who are still in the work force should be reminded that Social Security was never intended to be the mainstay of a person's retirement income. So they should be encouraged to work longer and save more and not retire until they have enough money invested to outlast their expected lifetimes.
Gen X'rs can get your sympathy: A worker earning $95,000 per year who expects to retire in 2045 will pay in $200,000 more in Social Security taxes than he or she will receive in benefits. Ouch.
For your retired clients, you can use annual reviews to compare their retirement nest egg against their life expectancy. Maybe they should go back to work. Or cut their expenses. Or sell their home, downsize and invest the difference.
What if you're asked this question on your radio show? Well, you need to be careful so you don't needlessly inflame your listeners. Here are some possibilities:
You can blame Congress for spending the Social Security trust funds.
You can blame Congress for not acting sooner (and reminding your listeners that Congress still needs to act on the federal estate tax situation).
You can say that everyone's situation is different so you can't offer financial advice without more information (kinda wimpy but might result in a visit to your office)
You can offer general advice that Social Security has never been a complete substitute for comprehensive retirement planning.
My mother taught me long ago, "If you don't have something nice to say, don't say anything." Kind of tough in this situation. How about, "Social Security has been a nice deal for the past 77 years and who knows what the future will bring?"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
Financial advisors need to walk a fine line here. You have clients born before 1946 when the baby boomers first came on the scene. You have baby boomer clients who have retired after paying into Social Security their entire working careers. Other Baby Boomers have paid into Social Security for decades who won't receive full benefits until age 67. You may have a growing number of Gen X/Y clients who will pay the most into Social Security and get the fewest benefits.
A couple recent articles underscored the coming generational battle over funding Social Security and who gets what benefits. One article on CNBC.com placed the blame squarely on the shoulders of the Baby Boomers:
Will Baby Boomers Bankrupt Social Security?
As the record federal budget deficit draws increasing scrutiny from Washington to Wall Street to Main Street, deficit hawks may take aim at entitlement programs including Social Security.
And, the nearly 80 million Baby Boomers phasing into retirement will set in motion a dynamic that—if not addressed by Congress—could result in the next generation getting fewer benefits.
After some soothing words about the strength of the 'trust fund", the article describes the affect of the Baby Boom generation:
Looking back, the outlook was rosy for most Americans in 1946, the year earmarked as the beginning of the so-called “baby boom.” With World War II finally over, a 15-year stretch of bad times that had begun with the great Depression was finally over. They responded by having more babies than ever before, more than 78 million of them by 1964.
For Social Security, the mini-population explosion was both beneficial and problematic. Social Security is funded mostly through payroll taxes, with present-day workers funding the payouts for retirees. Since there have been so many Boomers in the workforce for so many years, there were a lot more people putting money into the system than taking it out.
As Boomers begin to retire, the huge group of people putting money into the system will begin taking it out of the system, which then will be funded by a generation of workers—the so-called Gen X—whose numbers are some 15 million fewer. The surplus of money paid into the system by Boomers will allow it to run into the late 2030s, even though it will begin paying out more than it takes in by 2017.
Before I show how the 2017 forecast won't happen, let's listen to a Gen X'r to get a taste of the coming divide:
Count Gen-Xer Tom Firey among those younger workers who think they’re getting the short end of the stick. The managing editor of the conservative Cato Institute magazine, Regulation, first wrote about the subject nearly 10 years ago in a column headlined, “Boomers Fleece Generation X with Social Security.”
“Ever since we Gen-X/Yers began working, we've paid 12.4 percent of our earnings to Social Security,” he wrote. “In contrast, the Boomers will get a bargain. When they entered the workforce in the late 1960s, they paid only 6.5 percent of their earnings to Social Security. Only from 1990 on, when the Boomers had earned paychecks for a quarter-century, did they start paying 12.4 percent to Social Security, the same percentage we Gen-X/Yers have paid our whole lives.”
That’s why Firey dubbed it The Boomers’ Bargain: “They've paid less of their earnings into Social Security than we Gen-X/Yers, yet they'll receive more in benefits than we will and we'll pick up the tab.”
As often comes with age, Firey has mellowed some in the past 10 years, even injecting dark humor into his outlook today. He says, "The last two generations gave themselves some additional retirement benefits just before they left the workforce. The World War II generation gave itself annual COLA (cost-of-living allowance) raises in 1975, and the boomers gave themselves the prescription drug benefit earlier this decade.”
“In essence, these generations said, ‘I'm not willing to pay for these new benefits for myself, but I'm happy to force my kids and grandkids to pay for these benefits for me,’ “Firey added.
You can read the rest to learn about the Greenspan Commission of 1983. http://www.cnbc.com/id/34941334 Like President Carter's fix in the late '70's, the Greenspan Commission's recommendations of benefit cuts and tax hikes spared current retirees and supposedly fixed the problem for "30 years."
You might be telling yourself, "What about the Trust Funds? Richard forgot about the trust funds!" My short answer is, "What trust? What funds? And what security?"
The reality of the situation is that the trust funds and $3 will buy you a cup of coffee at Starbucks. Now let's look at the math and why Social Security needs a bailout.
Next in line for a bailout: Social Security
By Allan Sloan, senior editor at large, Fortune magazine
February 2, 2010
NEW YORK (Fortune) -- Don't look now. But even as the bank bailout is winding down, another huge bailout is starting, this time for the Social Security system.
A report from the Congressional Budget Office shows that for the first time in 25 years, Social Security is taking in less in taxes than it is spending on benefits.
Instead of helping to finance the rest of the government, as it has done for decades, our nation's biggest social program needs help from the Treasury to keep benefit checks from bouncing -- in other words, a taxpayer bailout.
No one has officially announced that Social Security will be cash-negative this year. But you can figure it out for yourself, as I did, by comparing two numbers in the recent federal budget update that the nonpartisan CBO issued last week.
The first number is $120 billion, the interest that Social Security will earn on its trust fund in fiscal 2010 (see page 74 of the CBO report). The second is $92 billion, the overall Social Security surplus for fiscal 2010 (see page 116).
This means that without the interest income, Social Security will be $28 billion in the hole this fiscal year, which ends Sept. 30.
Why disregard the interest? Because as people like me have said repeatedly over the years, the interest, which consists of Treasury IOUs that the Social Security trust fund gets on its holdings of government securities, doesn't provide Social Security with any cash that it can use to pay its bills. The interest is merely an accounting entry with no economic significance.
The last sentence might have grabbed your attention. Surprised me to see it in a mainstream publication like Fortune magazine. Maybe it shouldn't surprise us. How do you pay your business expenses, with cash or with accounts receivables? Of course, you can't pay bills with IOU's unless you first convert the IOU's into cash. Same problem for the federal government except that Uncle Sam is already borrowing over a trillion dollars this year.
You can read the rest of the Fortune article here: http://money.cnn.com/2010/02/02/news/economy/social_security_bailout.fortune/index.htm
So how do you apply your marketing mindset to handle this situation? In your office, you deal with each person or couple based on their situation. Social Security is just one more (obviously major) factor to consider.
All of your clients who are still in the work force should be reminded that Social Security was never intended to be the mainstay of a person's retirement income. So they should be encouraged to work longer and save more and not retire until they have enough money invested to outlast their expected lifetimes.
Gen X'rs can get your sympathy: A worker earning $95,000 per year who expects to retire in 2045 will pay in $200,000 more in Social Security taxes than he or she will receive in benefits. Ouch.
For your retired clients, you can use annual reviews to compare their retirement nest egg against their life expectancy. Maybe they should go back to work. Or cut their expenses. Or sell their home, downsize and invest the difference.
What if you're asked this question on your radio show? Well, you need to be careful so you don't needlessly inflame your listeners. Here are some possibilities:
You can blame Congress for spending the Social Security trust funds.
You can blame Congress for not acting sooner (and reminding your listeners that Congress still needs to act on the federal estate tax situation).
You can say that everyone's situation is different so you can't offer financial advice without more information (kinda wimpy but might result in a visit to your office)
You can offer general advice that Social Security has never been a complete substitute for comprehensive retirement planning.
My mother taught me long ago, "If you don't have something nice to say, don't say anything." Kind of tough in this situation. How about, "Social Security has been a nice deal for the past 77 years and who knows what the future will bring?"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing to Boomers on Social Security
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing to Boomers on Social Security
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 443-revision-3
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 12:11:46
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 443
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 443
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/443-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/443-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
Financial advisors need to walk a fine line here. You have clients born before 1946 when the baby boomers first came on the scene. You have baby boomer clients who have retired after paying into Social Security their entire working careers. Other Baby Boomers have paid into Social Security for decades who won't receive full benefits until age 67. You may have a growing number of Gen X/Y clients who will pay the most into Social Security and get the fewest benefits.
A couple recent articles underscored the coming generational battle over funding Social Security and who gets what benefits. One article on CNBC.com placed the blame squarely on the shoulders of the Baby Boomers:
Will Baby Boomers Bankrupt Social Security?
As the record federal budget deficit draws increasing scrutiny from Washington to Wall Street to Main Street, deficit hawks may take aim at entitlement programs including Social Security.
And, the nearly 80 million Baby Boomers phasing into retirement will set in motion a dynamic that—if not addressed by Congress—could result in the next generation getting fewer benefits.
After some soothing words about the strength of the 'trust fund", the article describes the affect of the Baby Boom generation:
Looking back, the outlook was rosy for most Americans in 1946, the year earmarked as the beginning of the so-called “baby boom.” With World War II finally over, a 15-year stretch of bad times that had begun with the great Depression was finally over. They responded by having more babies than ever before, more than 78 million of them by 1964.
For Social Security, the mini-population explosion was both beneficial and problematic. Social Security is funded mostly through payroll taxes, with present-day workers funding the payouts for retirees. Since there have been so many Boomers in the workforce for so many years, there were a lot more people putting money into the system than taking it out.
As Boomers begin to retire, the huge group of people putting money into the system will begin taking it out of the system, which then will be funded by a generation of workers—the so-called Gen X—whose numbers are some 15 million fewer. The surplus of money paid into the system by Boomers will allow it to run into the late 2030s, even though it will begin paying out more than it takes in by 2017.
Before I show how the 2017 forecast won't happen, let's listen to a Gen X'r to get a taste of the coming divide:
Count Gen-Xer Tom Firey among those younger workers who think they’re getting the short end of the stick. The managing editor of the conservative Cato Institute magazine, Regulation, first wrote about the subject nearly 10 years ago in a column headlined, “Boomers Fleece Generation X with Social Security.”
“Ever since we Gen-X/Yers began working, we've paid 12.4 percent of our earnings to Social Security,” he wrote. “In contrast, the Boomers will get a bargain. When they entered the workforce in the late 1960s, they paid only 6.5 percent of their earnings to Social Security. Only from 1990 on, when the Boomers had earned paychecks for a quarter-century, did they start paying 12.4 percent to Social Security, the same percentage we Gen-X/Yers have paid our whole lives.”
That’s why Firey dubbed it The Boomers’ Bargain: “They've paid less of their earnings into Social Security than we Gen-X/Yers, yet they'll receive more in benefits than we will and we'll pick up the tab.”
As often comes with age, Firey has mellowed some in the past 10 years, even injecting dark humor into his outlook today. He says, "The last two generations gave themselves some additional retirement benefits just before they left the workforce. The World War II generation gave itself annual COLA (cost-of-living allowance) raises in 1975, and the boomers gave themselves the prescription drug benefit earlier this decade.”
“In essence, these generations said, ‘I'm not willing to pay for these new benefits for myself, but I'm happy to force my kids and grandkids to pay for these benefits for me,’ “Firey added.
You can read the rest to learn about the Greenspan Commission of 1983. http://www.cnbc.com/id/34941334 Like President Carter's fix in the late '70's, the Greenspan Commission's recommendations of benefit cuts and tax hikes spared current retirees and supposedly fixed the problem for "30 years."
You might be telling yourself, "What about the Trust Funds? Richard forgot about the trust funds!" My short answer is, "What trust? What funds? And what security?"
The reality of the situation is that the trust funds and $3 will buy you a cup of coffee at Starbucks. Now let's look at the math and why Social Security needs a bailout.
Next in line for a bailout: Social Security
By Allan Sloan, senior editor at large, Fortune magazine
February 2, 2010
NEW YORK (Fortune) -- Don't look now. But even as the bank bailout is winding down, another huge bailout is starting, this time for the Social Security system.
A report from the Congressional Budget Office shows that for the first time in 25 years, Social Security is taking in less in taxes than it is spending on benefits.
Instead of helping to finance the rest of the government, as it has done for decades, our nation's biggest social program needs help from the Treasury to keep benefit checks from bouncing -- in other words, a taxpayer bailout.
No one has officially announced that Social Security will be cash-negative this year. But you can figure it out for yourself, as I did, by comparing two numbers in the recent federal budget update that the nonpartisan CBO issued last week.
The first number is $120 billion, the interest that Social Security will earn on its trust fund in fiscal 2010 (see page 74 of the CBO report). The second is $92 billion, the overall Social Security surplus for fiscal 2010 (see page 116).
This means that without the interest income, Social Security will be $28 billion in the hole this fiscal year, which ends Sept. 30.
Why disregard the interest? Because as people like me have said repeatedly over the years, the interest, which consists of Treasury IOUs that the Social Security trust fund gets on its holdings of government securities, doesn't provide Social Security with any cash that it can use to pay its bills. The interest is merely an accounting entry with no economic significance.
The last sentence might have grabbed your attention. Surprised me to see it in a mainstream publication like Fortune magazine. Maybe it shouldn't surprise us. How do you pay your business expenses, with cash or with accounts receivables? Of course, you can't pay bills with IOU's unless you first convert the IOU's into cash. Same problem for the federal government except that Uncle Sam is already borrowing over a trillion dollars this year.
You can read the rest of the Fortune article here: http://money.cnn.com/2010/02/02/news/economy/social_security_bailout.fortune/index.htm
So how do you apply your marketing mindset to handle this situation? In your office, you deal with each person or couple based on their situation. Social Security is just one more (obviously major) factor to consider.
All of your clients who are still in the work force should be reminded that Social Security was never intended to be the mainstay of a person's retirement income. So they should be encouraged to work longer and save more and not retire until they have enough money invested to outlast their expected lifetimes.
Gen X'rs can get your sympathy: A worker earning $95,000 per year who expects to retire in 2045 will pay in $200,000 more in Social Security taxes than he or she will receive in benefits. Ouch.
For your retired clients, you can use annual reviews to compare their retirement nest egg against their life expectancy. Maybe they should go back to work. Or cut their expenses. Or sell their home, downsize and invest the difference.
What if you're asked this question on your radio show? Well, you need to be careful so you don't needlessly inflame your listeners. Here are some possibilities:
You can blame Congress for spending the Social Security trust funds.
You can blame Congress for not acting sooner (and reminding your listeners that Congress still needs to act on the federal estate tax situation).
You can say that everyone's situation is different so you can't offer financial advice without more information (kinda wimpy but might result in a visit to your office)
You can offer general advice that Social Security has never been a complete substitute for comprehensive retirement planning.
My mother taught me long ago, "If you don't have something nice to say, don't say anything." Kind of tough in this situation. How about, "Social Security has been a nice deal for the past 77 years and who knows what the future will bring?"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
Financial advisors need to walk a fine line here. You have clients born before 1946 when the baby boomers first came on the scene. You have baby boomer clients who have retired after paying into Social Security their entire working careers. Other Baby Boomers have paid into Social Security for decades who won't receive full benefits until age 67. You may have a growing number of Gen X/Y clients who will pay the most into Social Security and get the fewest benefits.
A couple recent articles underscored the coming generational battle over funding Social Security and who gets what benefits. One article on CNBC.com placed the blame squarely on the shoulders of the Baby Boomers:
Will Baby Boomers Bankrupt Social Security?
As the record federal budget deficit draws increasing scrutiny from Washington to Wall Street to Main Street, deficit hawks may take aim at entitlement programs including Social Security.
And, the nearly 80 million Baby Boomers phasing into retirement will set in motion a dynamic that—if not addressed by Congress—could result in the next generation getting fewer benefits.
After some soothing words about the strength of the 'trust fund", the article describes the affect of the Baby Boom generation:
Looking back, the outlook was rosy for most Americans in 1946, the year earmarked as the beginning of the so-called “baby boom.” With World War II finally over, a 15-year stretch of bad times that had begun with the great Depression was finally over. They responded by having more babies than ever before, more than 78 million of them by 1964.
For Social Security, the mini-population explosion was both beneficial and problematic. Social Security is funded mostly through payroll taxes, with present-day workers funding the payouts for retirees. Since there have been so many Boomers in the workforce for so many years, there were a lot more people putting money into the system than taking it out.
As Boomers begin to retire, the huge group of people putting money into the system will begin taking it out of the system, which then will be funded by a generation of workers—the so-called Gen X—whose numbers are some 15 million fewer. The surplus of money paid into the system by Boomers will allow it to run into the late 2030s, even though it will begin paying out more than it takes in by 2017.
Before I show how the 2017 forecast won't happen, let's listen to a Gen X'r to get a taste of the coming divide:
Count Gen-Xer Tom Firey among those younger workers who think they’re getting the short end of the stick. The managing editor of the conservative Cato Institute magazine, Regulation, first wrote about the subject nearly 10 years ago in a column headlined, “Boomers Fleece Generation X with Social Security.”
“Ever since we Gen-X/Yers began working, we've paid 12.4 percent of our earnings to Social Security,” he wrote. “In contrast, the Boomers will get a bargain. When they entered the workforce in the late 1960s, they paid only 6.5 percent of their earnings to Social Security. Only from 1990 on, when the Boomers had earned paychecks for a quarter-century, did they start paying 12.4 percent to Social Security, the same percentage we Gen-X/Yers have paid our whole lives.”
That’s why Firey dubbed it The Boomers’ Bargain: “They've paid less of their earnings into Social Security than we Gen-X/Yers, yet they'll receive more in benefits than we will and we'll pick up the tab.”
As often comes with age, Firey has mellowed some in the past 10 years, even injecting dark humor into his outlook today. He says, "The last two generations gave themselves some additional retirement benefits just before they left the workforce. The World War II generation gave itself annual COLA (cost-of-living allowance) raises in 1975, and the boomers gave themselves the prescription drug benefit earlier this decade.”
“In essence, these generations said, ‘I'm not willing to pay for these new benefits for myself, but I'm happy to force my kids and grandkids to pay for these benefits for me,’ “Firey added.
You can read the rest to learn about the Greenspan Commission of 1983. http://www.cnbc.com/id/34941334 Like President Carter's fix in the late '70's, the Greenspan Commission's recommendations of benefit cuts and tax hikes spared current retirees and supposedly fixed the problem for "30 years."
You might be telling yourself, "What about the Trust Funds? Richard forgot about the trust funds!" My short answer is, "What trust? What funds? And what security?"
The reality of the situation is that the trust funds and $3 will buy you a cup of coffee at Starbucks. Now let's look at the math and why Social Security needs a bailout.
Next in line for a bailout: Social Security
By Allan Sloan, senior editor at large, Fortune magazine
February 2, 2010
NEW YORK (Fortune) -- Don't look now. But even as the bank bailout is winding down, another huge bailout is starting, this time for the Social Security system.
A report from the Congressional Budget Office shows that for the first time in 25 years, Social Security is taking in less in taxes than it is spending on benefits.
Instead of helping to finance the rest of the government, as it has done for decades, our nation's biggest social program needs help from the Treasury to keep benefit checks from bouncing -- in other words, a taxpayer bailout.
No one has officially announced that Social Security will be cash-negative this year. But you can figure it out for yourself, as I did, by comparing two numbers in the recent federal budget update that the nonpartisan CBO issued last week.
The first number is $120 billion, the interest that Social Security will earn on its trust fund in fiscal 2010 (see page 74 of the CBO report). The second is $92 billion, the overall Social Security surplus for fiscal 2010 (see page 116).
This means that without the interest income, Social Security will be $28 billion in the hole this fiscal year, which ends Sept. 30.
Why disregard the interest? Because as people like me have said repeatedly over the years, the interest, which consists of Treasury IOUs that the Social Security trust fund gets on its holdings of government securities, doesn't provide Social Security with any cash that it can use to pay its bills. The interest is merely an accounting entry with no economic significance.
The last sentence might have grabbed your attention. Surprised me to see it in a mainstream publication like Fortune magazine. Maybe it shouldn't surprise us. How do you pay your business expenses, with cash or with accounts receivables? Of course, you can't pay bills with IOU's unless you first convert the IOU's into cash. Same problem for the federal government except that Uncle Sam is already borrowing over a trillion dollars this year.
You can read the rest of the Fortune article here: http://money.cnn.com/2010/02/02/news/economy/social_security_bailout.fortune/index.htm
So how do you apply your marketing mindset to handle this situation? In your office, you deal with each person or couple based on their situation. Social Security is just one more (obviously major) factor to consider.
All of your clients who are still in the work force should be reminded that Social Security was never intended to be the mainstay of a person's retirement income. So they should be encouraged to work longer and save more and not retire until they have enough money invested to outlast their expected lifetimes.
Gen X'rs can get your sympathy: A worker earning $95,000 per year who expects to retire in 2045 will pay in $200,000 more in Social Security taxes than he or she will receive in benefits. Ouch.
For your retired clients, you can use annual reviews to compare their retirement nest egg against their life expectancy. Maybe they should go back to work. Or cut their expenses. Or sell their home, downsize and invest the difference.
What if you're asked this question on your radio show? Well, you need to be careful so you don't needlessly inflame your listeners. Here are some possibilities:
You can blame Congress for spending the Social Security trust funds.
You can blame Congress for not acting sooner (and reminding your listeners that Congress still needs to act on the federal estate tax situation).
You can say that everyone's situation is different so you can't offer financial advice without more information (kinda wimpy but might result in a visit to your office)
You can offer general advice that Social Security has never been a complete substitute for comprehensive retirement planning.
My mother taught me long ago, "If you don't have something nice to say, don't say anything." Kind of tough in this situation. How about, "Social Security has been a nice deal for the past 77 years and who knows what the future will bring?"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing on the latest Social Security Bailout
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing on the latest Social Security Bailout
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 443-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 443-revision-4
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 12:13:01
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 20:13:01
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 443
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 443
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/443-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/443-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 454
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 12:14:30
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 12:14:30
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 20:14:30
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 20:14:30
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
Financial advisors need to walk a fine line here. You have clients born before 1946 when the baby boomers first came on the scene. You have baby boomer clients who have retired after paying into Social Security their entire working careers. Other Baby Boomers have paid into Social Security for decades who won't receive full benefits until age 67. You may have a growing number of Gen X/Y clients who will pay the most into Social Security and get the fewest benefits.
A couple recent articles underscored the coming generational battle over funding Social Security and who gets what benefits. One article on CNBC.com placed the blame squarely on the shoulders of the Baby Boomers:
Will Baby Boomers Bankrupt Social Security?
As the record federal budget deficit draws increasing scrutiny from Washington to Wall Street to Main Street, deficit hawks may take aim at entitlement programs including Social Security.
And, the nearly 80 million Baby Boomers phasing into retirement will set in motion a dynamic that—if not addressed by Congress—could result in the next generation getting fewer benefits.
After some soothing words about the strength of the 'trust fund", the article describes the affect of the Baby Boom generation:
Looking back, the outlook was rosy for most Americans in 1946, the year earmarked as the beginning of the so-called “baby boom.” With World War II finally over, a 15-year stretch of bad times that had begun with the great Depression was finally over. They responded by having more babies than ever before, more than 78 million of them by 1964.
For Social Security, the mini-population explosion was both beneficial and problematic. Social Security is funded mostly through payroll taxes, with present-day workers funding the payouts for retirees. Since there have been so many Boomers in the workforce for so many years, there were a lot more people putting money into the system than taking it out.
As Boomers begin to retire, the huge group of people putting money into the system will begin taking it out of the system, which then will be funded by a generation of workers—the so-called Gen X—whose numbers are some 15 million fewer. The surplus of money paid into the system by Boomers will allow it to run into the late 2030s, even though it will begin paying out more than it takes in by 2017.
Before I show how the 2017 forecast won't happen, let's listen to a Gen X'r to get a taste of the coming divide:
Count Gen-Xer Tom Firey among those younger workers who think they’re getting the short end of the stick. The managing editor of the conservative Cato Institute magazine, Regulation, first wrote about the subject nearly 10 years ago in a column headlined, “Boomers Fleece Generation X with Social Security.”
“Ever since we Gen-X/Yers began working, we've paid 12.4 percent of our earnings to Social Security,” he wrote. “In contrast, the Boomers will get a bargain. When they entered the workforce in the late 1960s, they paid only 6.5 percent of their earnings to Social Security. Only from 1990 on, when the Boomers had earned paychecks for a quarter-century, did they start paying 12.4 percent to Social Security, the same percentage we Gen-X/Yers have paid our whole lives.”
That’s why Firey dubbed it The Boomers’ Bargain: “They've paid less of their earnings into Social Security than we Gen-X/Yers, yet they'll receive more in benefits than we will and we'll pick up the tab.”
As often comes with age, Firey has mellowed some in the past 10 years, even injecting dark humor into his outlook today. He says, "The last two generations gave themselves some additional retirement benefits just before they left the workforce. The World War II generation gave itself annual COLA (cost-of-living allowance) raises in 1975, and the boomers gave themselves the prescription drug benefit earlier this decade.”
“In essence, these generations said, ‘I'm not willing to pay for these new benefits for myself, but I'm happy to force my kids and grandkids to pay for these benefits for me,’ “Firey added.
You can read the rest to learn about the Greenspan Commission of 1983. http://www.cnbc.com/id/34941334 Like President Carter's fix in the late '70's, the Greenspan Commission's recommendations of benefit cuts and tax hikes spared current retirees and supposedly fixed the problem for "30 years."
You might be telling yourself, "What about the Trust Funds? Richard forgot about the trust funds!" My short answer is, "What trust? What funds? And what security?"
The reality of the situation is that the trust funds and $3 will buy you a cup of coffee at Starbucks. Now let's look at the math and why Social Security needs a bailout.
Next in line for a bailout: Social Security
By Allan Sloan, senior editor at large, Fortune magazine
February 2, 2010
NEW YORK (Fortune) -- Don't look now. But even as the bank bailout is winding down, another huge bailout is starting, this time for the Social Security system.
A report from the Congressional Budget Office shows that for the first time in 25 years, Social Security is taking in less in taxes than it is spending on benefits.
Instead of helping to finance the rest of the government, as it has done for decades, our nation's biggest social program needs help from the Treasury to keep benefit checks from bouncing -- in other words, a taxpayer bailout.
No one has officially announced that Social Security will be cash-negative this year. But you can figure it out for yourself, as I did, by comparing two numbers in the recent federal budget update that the nonpartisan CBO issued last week.
The first number is $120 billion, the interest that Social Security will earn on its trust fund in fiscal 2010 (see page 74 of the CBO report). The second is $92 billion, the overall Social Security surplus for fiscal 2010 (see page 116).
This means that without the interest income, Social Security will be $28 billion in the hole this fiscal year, which ends Sept. 30.
Why disregard the interest? Because as people like me have said repeatedly over the years, the interest, which consists of Treasury IOUs that the Social Security trust fund gets on its holdings of government securities, doesn't provide Social Security with any cash that it can use to pay its bills. The interest is merely an accounting entry with no economic significance.
The last sentence might have grabbed your attention. Surprised me to see it in a mainstream publication like Fortune magazine. Maybe it shouldn't surprise us. How do you pay your business expenses, with cash or with accounts receivables? Of course, you can't pay bills with IOU's unless you first convert the IOU's into cash. Same problem for the federal government except that Uncle Sam is already borrowing over a trillion dollars this year.
You can read the rest of the Fortune article here: http://money.cnn.com/2010/02/02/news/economy/social_security_bailout.fortune/index.htm
So how do you apply your marketing mindset to handle this situation? In your office, you deal with each person or couple based on their situation. Social Security is just one more (obviously major) factor to consider.
All of your clients who are still in the work force should be reminded that Social Security was never intended to be the mainstay of a person's retirement income. So they should be encouraged to work longer and save more and not retire until they have enough money invested to outlast their expected lifetimes.
Gen X'rs can get your sympathy: A worker earning $95,000 per year who expects to retire in 2045 will pay in $200,000 more in Social Security taxes than he or she will receive in benefits. Ouch.
For your retired clients, you can use annual reviews to compare their retirement nest egg against their life expectancy. Maybe they should go back to work. Or cut their expenses. Or sell their home, downsize and invest the difference.
What if you're asked this question on your radio show? Well, you need to be careful so you don't needlessly inflame your listeners. Here are some possibilities:
You can blame Congress for spending the Social Security trust funds.
You can blame Congress for not acting sooner (and reminding your listeners that Congress still needs to act on the federal estate tax situation).
You can say that everyone's situation is different so you can't offer financial advice without more information (kinda wimpy but might result in a visit to your office)
You can offer general advice that Social Security has never been a complete substitute for comprehensive retirement planning.
My mother taught me long ago, "If you don't have something nice to say, don't say anything." Kind of tough in this situation. How about, "Social Security has been a nice deal for the past 77 years and who knows what the future will bring?"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
Financial advisors need to walk a fine line here. You have clients born before 1946 when the baby boomers first came on the scene. You have baby boomer clients who have retired after paying into Social Security their entire working careers. Other Baby Boomers have paid into Social Security for decades who won't receive full benefits until age 67. You may have a growing number of Gen X/Y clients who will pay the most into Social Security and get the fewest benefits.
A couple recent articles underscored the coming generational battle over funding Social Security and who gets what benefits. One article on CNBC.com placed the blame squarely on the shoulders of the Baby Boomers:
Will Baby Boomers Bankrupt Social Security?
As the record federal budget deficit draws increasing scrutiny from Washington to Wall Street to Main Street, deficit hawks may take aim at entitlement programs including Social Security.
And, the nearly 80 million Baby Boomers phasing into retirement will set in motion a dynamic that—if not addressed by Congress—could result in the next generation getting fewer benefits.
After some soothing words about the strength of the 'trust fund", the article describes the affect of the Baby Boom generation:
Looking back, the outlook was rosy for most Americans in 1946, the year earmarked as the beginning of the so-called “baby boom.” With World War II finally over, a 15-year stretch of bad times that had begun with the great Depression was finally over. They responded by having more babies than ever before, more than 78 million of them by 1964.
For Social Security, the mini-population explosion was both beneficial and problematic. Social Security is funded mostly through payroll taxes, with present-day workers funding the payouts for retirees. Since there have been so many Boomers in the workforce for so many years, there were a lot more people putting money into the system than taking it out.
As Boomers begin to retire, the huge group of people putting money into the system will begin taking it out of the system, which then will be funded by a generation of workers—the so-called Gen X—whose numbers are some 15 million fewer. The surplus of money paid into the system by Boomers will allow it to run into the late 2030s, even though it will begin paying out more than it takes in by 2017.
Before I show how the 2017 forecast won't happen, let's listen to a Gen X'r to get a taste of the coming divide:
Count Gen-Xer Tom Firey among those younger workers who think they’re getting the short end of the stick. The managing editor of the conservative Cato Institute magazine, Regulation, first wrote about the subject nearly 10 years ago in a column headlined, “Boomers Fleece Generation X with Social Security.”
“Ever since we Gen-X/Yers began working, we've paid 12.4 percent of our earnings to Social Security,” he wrote. “In contrast, the Boomers will get a bargain. When they entered the workforce in the late 1960s, they paid only 6.5 percent of their earnings to Social Security. Only from 1990 on, when the Boomers had earned paychecks for a quarter-century, did they start paying 12.4 percent to Social Security, the same percentage we Gen-X/Yers have paid our whole lives.”
That’s why Firey dubbed it The Boomers’ Bargain: “They've paid less of their earnings into Social Security than we Gen-X/Yers, yet they'll receive more in benefits than we will and we'll pick up the tab.”
As often comes with age, Firey has mellowed some in the past 10 years, even injecting dark humor into his outlook today. He says, "The last two generations gave themselves some additional retirement benefits just before they left the workforce. The World War II generation gave itself annual COLA (cost-of-living allowance) raises in 1975, and the boomers gave themselves the prescription drug benefit earlier this decade.”
“In essence, these generations said, ‘I'm not willing to pay for these new benefits for myself, but I'm happy to force my kids and grandkids to pay for these benefits for me,’ “Firey added.
You can read the rest to learn about the Greenspan Commission of 1983. http://www.cnbc.com/id/34941334 Like President Carter's fix in the late '70's, the Greenspan Commission's recommendations of benefit cuts and tax hikes spared current retirees and supposedly fixed the problem for "30 years."
You might be telling yourself, "What about the Trust Funds? Richard forgot about the trust funds!" My short answer is, "What trust? What funds? And what security?"
The reality of the situation is that the trust funds and $3 will buy you a cup of coffee at Starbucks. Now let's look at the math and why Social Security needs a bailout.
Next in line for a bailout: Social Security
By Allan Sloan, senior editor at large, Fortune magazine
February 2, 2010
NEW YORK (Fortune) -- Don't look now. But even as the bank bailout is winding down, another huge bailout is starting, this time for the Social Security system.
A report from the Congressional Budget Office shows that for the first time in 25 years, Social Security is taking in less in taxes than it is spending on benefits.
Instead of helping to finance the rest of the government, as it has done for decades, our nation's biggest social program needs help from the Treasury to keep benefit checks from bouncing -- in other words, a taxpayer bailout.
No one has officially announced that Social Security will be cash-negative this year. But you can figure it out for yourself, as I did, by comparing two numbers in the recent federal budget update that the nonpartisan CBO issued last week.
The first number is $120 billion, the interest that Social Security will earn on its trust fund in fiscal 2010 (see page 74 of the CBO report). The second is $92 billion, the overall Social Security surplus for fiscal 2010 (see page 116).
This means that without the interest income, Social Security will be $28 billion in the hole this fiscal year, which ends Sept. 30.
Why disregard the interest? Because as people like me have said repeatedly over the years, the interest, which consists of Treasury IOUs that the Social Security trust fund gets on its holdings of government securities, doesn't provide Social Security with any cash that it can use to pay its bills. The interest is merely an accounting entry with no economic significance.
The last sentence might have grabbed your attention. Surprised me to see it in a mainstream publication like Fortune magazine. Maybe it shouldn't surprise us. How do you pay your business expenses, with cash or with accounts receivables? Of course, you can't pay bills with IOU's unless you first convert the IOU's into cash. Same problem for the federal government except that Uncle Sam is already borrowing over a trillion dollars this year.
You can read the rest of the Fortune article here: http://money.cnn.com/2010/02/02/news/economy/social_security_bailout.fortune/index.htm
So how do you apply your marketing mindset to handle this situation? In your office, you deal with each person or couple based on their situation. Social Security is just one more (obviously major) factor to consider.
All of your clients who are still in the work force should be reminded that Social Security was never intended to be the mainstay of a person's retirement income. So they should be encouraged to work longer and save more and not retire until they have enough money invested to outlast their expected lifetimes.
Gen X'rs can get your sympathy: A worker earning $95,000 per year who expects to retire in 2045 will pay in $200,000 more in Social Security taxes than he or she will receive in benefits. Ouch.
For your retired clients, you can use annual reviews to compare their retirement nest egg against their life expectancy. Maybe they should go back to work. Or cut their expenses. Or sell their home, downsize and invest the difference.
What if you're asked this question on your radio show? Well, you need to be careful so you don't needlessly inflame your listeners. Here are some possibilities:
You can blame Congress for spending the Social Security trust funds.
You can blame Congress for not acting sooner (and reminding your listeners that Congress still needs to act on the federal estate tax situation).
You can say that everyone's situation is different so you can't offer financial advice without more information (kinda wimpy but might result in a visit to your office)
You can offer general advice that Social Security has never been a complete substitute for comprehensive retirement planning.
My mother taught me long ago, "If you don't have something nice to say, don't say anything." Kind of tough in this situation. How about, "Social Security has been a nice deal for the past 77 years and who knows what the future will bring?"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing on the Latest Social Security Bailout
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing on the Latest Social Security Bailout
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 443-revision-5
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/443-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/443-revision-5/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
httpv://www.youtube.com/watch?v=WQfi7tiGzOQ
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
httpv://www.youtube.com/watch?v=WQfi7tiGzOQ
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Better Business Cards
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing with Better Business Cards
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You want to be remembered and you want to provide a reason for someone to keep your business card. Watch this short video to learn how to improve the effectiveness of your business cards without spending any more money.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/444-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/444-revision-6/
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Will Baby Boomers Bankrupt Social Security?
As the record federal budget deficit draws increasing scrutiny from Washington to Wall Street to Main Street, deficit hawks may take aim at entitlement programs including Social Security.
And, the nearly 80 million Baby Boomers phasing into retirement will set in motion a dynamic that—if not addressed by Congress—could result in the next generation getting fewer benefits.
After some soothing words about the strength of the 'trust fund", the article describes the affect of the Baby Boom generation:
Looking back, the outlook was rosy for most Americans in 1946, the year earmarked as the beginning of the so-called “baby boom.” With World War II finally over, a 15-year stretch of bad times that had begun with the great Depression was finally over. They responded by having more babies than ever before, more than 78 million of them by 1964.
For Social Security, the mini-population explosion was both beneficial and problematic. Social Security is funded mostly through payroll taxes, with present-day workers funding the payouts for retirees. Since there have been so many Boomers in the workforce for so many years, there were a lot more people putting money into the system than taking it out.
As Boomers begin to retire, the huge group of people putting money into the system will begin taking it out of the system, which then will be funded by a generation of workers—the so-called Gen X—whose numbers are some 15 million fewer. The surplus of money paid into the system by Boomers will allow it to run into the late 2030s, even though it will begin paying out more than it takes in by 2017.
Before I show how the 2017 forecast won't happen, let's listen to a Gen X'r to get a taste of the coming divide:
Count Gen-Xer Tom Firey among those younger workers who think they’re getting the short end of the stick. The managing editor of the conservative Cato Institute magazine, Regulation, first wrote about the subject nearly 10 years ago in a column headlined, “Boomers Fleece Generation X with Social Security.”
“Ever since we Gen-X/Yers began working, we've paid 12.4 percent of our earnings to Social Security,” he wrote. “In contrast, the Boomers will get a bargain. When they entered the workforce in the late 1960s, they paid only 6.5 percent of their earnings to Social Security. Only from 1990 on, when the Boomers had earned paychecks for a quarter-century, did they start paying 12.4 percent to Social Security, the same percentage we Gen-X/Yers have paid our whole lives.”
That’s why Firey dubbed it The Boomers’ Bargain: “They've paid less of their earnings into Social Security than we Gen-X/Yers, yet they'll receive more in benefits than we will and we'll pick up the tab.”
As often comes with age, Firey has mellowed some in the past 10 years, even injecting dark humor into his outlook today. He says, "The last two generations gave themselves some additional retirement benefits just before they left the workforce. The World War II generation gave itself annual COLA (cost-of-living allowance) raises in 1975, and the boomers gave themselves the prescription drug benefit earlier this decade.”
“In essence, these generations said, ‘I'm not willing to pay for these new benefits for myself, but I'm happy to force my kids and grandkids to pay for these benefits for me,’ “Firey added.
You can read the rest to learn about the Greenspan Commission of 1983. http://www.cnbc.com/id/34941334 Like President Carter's fix in the late '70's, the Greenspan Commission's recommendations of benefit cuts and tax hikes spared current retirees and supposedly fixed the problem for "30 years."
You might be telling yourself, "What about the Trust Funds? Richard forgot about the trust funds!" My short answer is, "What trust? What funds? And what security?"
The reality of the situation is that the trust funds and $3 will buy you a cup of coffee at Starbucks. Now let's look at the math and why Social Security needs a bailout.
Next in line for a bailout: Social Security
By Allan Sloan, senior editor at large, Fortune magazine
February 2, 2010
NEW YORK (Fortune) -- Don't look now. But even as the bank bailout is winding down, another huge bailout is starting, this time for the Social Security system.
A report from the Congressional Budget Office shows that for the first time in 25 years, Social Security is taking in less in taxes than it is spending on benefits.
Instead of helping to finance the rest of the government, as it has done for decades, our nation's biggest social program needs help from the Treasury to keep benefit checks from bouncing -- in other words, a taxpayer bailout.
No one has officially announced that Social Security will be cash-negative this year. But you can figure it out for yourself, as I did, by comparing two numbers in the recent federal budget update that the nonpartisan CBO issued last week.
The first number is $120 billion, the interest that Social Security will earn on its trust fund in fiscal 2010 (see page 74 of the CBO report). The second is $92 billion, the overall Social Security surplus for fiscal 2010 (see page 116).
This means that without the interest income, Social Security will be $28 billion in the hole this fiscal year, which ends Sept. 30.
Why disregard the interest? Because as people like me have said repeatedly over the years, the interest, which consists of Treasury IOUs that the Social Security trust fund gets on its holdings of government securities, doesn't provide Social Security with any cash that it can use to pay its bills. The interest is merely an accounting entry with no economic significance.
The last sentence might have grabbed your attention. Surprised me to see it in a mainstream publication like Fortune magazine. Maybe it shouldn't surprise us. How do you pay your business expenses, with cash or with accounts receivables? Of course, you can't pay bills with IOU's unless you first convert the IOU's into cash. Same problem for the federal government except that Uncle Sam is already borrowing over a trillion dollars this year.
You can read the rest of the Fortune article here: http://money.cnn.com/2010/02/02/news/economy/social_security_bailout.fortune/index.htm
So how do you apply your marketing mindset to handle this situation? In your office, you deal with each person or couple based on their situation. Social Security is just one more (obviously major) factor to consider.
All of your clients who are still in the work force should be reminded that Social Security was never intended to be the mainstay of a person's retirement income. So they should be encouraged to work longer and save more and not retire until they have enough money invested to outlast their expected lifetimes.
Gen X'rs can get your sympathy: A worker earning $95,000 per year who expects to retire in 2045 will pay in $200,000 more in Social Security taxes than he or she will receive in benefits. Ouch.
For your retired clients, you can use annual reviews to compare their retirement nest egg against their life expectancy. Maybe they should go back to work. Or cut their expenses. Or sell their home, downsize and invest the difference.
What if you're asked this question on your radio show? Well, you need to be careful so you don't needlessly inflame your listeners. Here are some possibilities:
You can blame Congress for spending the Social Security trust funds.
You can blame Congress for not acting sooner (and reminding your listeners that Congress still needs to act on the federal estate tax situation).
You can say that everyone's situation is different so you can't offer financial advice without more information (kinda wimpy but might result in a visit to your office)
You can offer general advice that Social Security has never been a complete substitute for comprehensive retirement planning.
My mother taught me long ago, "If you don't have something nice to say, don't say anything." Kind of tough in this situation. How about, "Social Security has been a nice deal for the past 77 years and who knows what the future will bring?"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Will Baby Boomers Bankrupt Social Security?
As the record federal budget deficit draws increasing scrutiny from Washington to Wall Street to Main Street, deficit hawks may take aim at entitlement programs including Social Security.
And, the nearly 80 million Baby Boomers phasing into retirement will set in motion a dynamic that—if not addressed by Congress—could result in the next generation getting fewer benefits.
After some soothing words about the strength of the 'trust fund", the article describes the affect of the Baby Boom generation:
Looking back, the outlook was rosy for most Americans in 1946, the year earmarked as the beginning of the so-called “baby boom.” With World War II finally over, a 15-year stretch of bad times that had begun with the great Depression was finally over. They responded by having more babies than ever before, more than 78 million of them by 1964.
For Social Security, the mini-population explosion was both beneficial and problematic. Social Security is funded mostly through payroll taxes, with present-day workers funding the payouts for retirees. Since there have been so many Boomers in the workforce for so many years, there were a lot more people putting money into the system than taking it out.
As Boomers begin to retire, the huge group of people putting money into the system will begin taking it out of the system, which then will be funded by a generation of workers—the so-called Gen X—whose numbers are some 15 million fewer. The surplus of money paid into the system by Boomers will allow it to run into the late 2030s, even though it will begin paying out more than it takes in by 2017.
Before I show how the 2017 forecast won't happen, let's listen to a Gen X'r to get a taste of the coming divide:
Count Gen-Xer Tom Firey among those younger workers who think they’re getting the short end of the stick. The managing editor of the conservative Cato Institute magazine, Regulation, first wrote about the subject nearly 10 years ago in a column headlined, “Boomers Fleece Generation X with Social Security.”
“Ever since we Gen-X/Yers began working, we've paid 12.4 percent of our earnings to Social Security,” he wrote. “In contrast, the Boomers will get a bargain. When they entered the workforce in the late 1960s, they paid only 6.5 percent of their earnings to Social Security. Only from 1990 on, when the Boomers had earned paychecks for a quarter-century, did they start paying 12.4 percent to Social Security, the same percentage we Gen-X/Yers have paid our whole lives.”
That’s why Firey dubbed it The Boomers’ Bargain: “They've paid less of their earnings into Social Security than we Gen-X/Yers, yet they'll receive more in benefits than we will and we'll pick up the tab.”
As often comes with age, Firey has mellowed some in the past 10 years, even injecting dark humor into his outlook today. He says, "The last two generations gave themselves some additional retirement benefits just before they left the workforce. The World War II generation gave itself annual COLA (cost-of-living allowance) raises in 1975, and the boomers gave themselves the prescription drug benefit earlier this decade.”
“In essence, these generations said, ‘I'm not willing to pay for these new benefits for myself, but I'm happy to force my kids and grandkids to pay for these benefits for me,’ “Firey added.
You can read the rest to learn about the Greenspan Commission of 1983. http://www.cnbc.com/id/34941334 Like President Carter's fix in the late '70's, the Greenspan Commission's recommendations of benefit cuts and tax hikes spared current retirees and supposedly fixed the problem for "30 years."
You might be telling yourself, "What about the Trust Funds? Richard forgot about the trust funds!" My short answer is, "What trust? What funds? And what security?"
The reality of the situation is that the trust funds and $3 will buy you a cup of coffee at Starbucks. Now let's look at the math and why Social Security needs a bailout.
Next in line for a bailout: Social Security
By Allan Sloan, senior editor at large, Fortune magazine
February 2, 2010
NEW YORK (Fortune) -- Don't look now. But even as the bank bailout is winding down, another huge bailout is starting, this time for the Social Security system.
A report from the Congressional Budget Office shows that for the first time in 25 years, Social Security is taking in less in taxes than it is spending on benefits.
Instead of helping to finance the rest of the government, as it has done for decades, our nation's biggest social program needs help from the Treasury to keep benefit checks from bouncing -- in other words, a taxpayer bailout.
No one has officially announced that Social Security will be cash-negative this year. But you can figure it out for yourself, as I did, by comparing two numbers in the recent federal budget update that the nonpartisan CBO issued last week.
The first number is $120 billion, the interest that Social Security will earn on its trust fund in fiscal 2010 (see page 74 of the CBO report). The second is $92 billion, the overall Social Security surplus for fiscal 2010 (see page 116).
This means that without the interest income, Social Security will be $28 billion in the hole this fiscal year, which ends Sept. 30.
Why disregard the interest? Because as people like me have said repeatedly over the years, the interest, which consists of Treasury IOUs that the Social Security trust fund gets on its holdings of government securities, doesn't provide Social Security with any cash that it can use to pay its bills. The interest is merely an accounting entry with no economic significance.
The last sentence might have grabbed your attention. Surprised me to see it in a mainstream publication like Fortune magazine. Maybe it shouldn't surprise us. How do you pay your business expenses, with cash or with accounts receivables? Of course, you can't pay bills with IOU's unless you first convert the IOU's into cash. Same problem for the federal government except that Uncle Sam is already borrowing over a trillion dollars this year.
You can read the rest of the Fortune article here: http://money.cnn.com/2010/02/02/news/economy/social_security_bailout.fortune/index.htm
So how do you apply your marketing mindset to handle this situation? In your office, you deal with each person or couple based on their situation. Social Security is just one more (obviously major) factor to consider.
All of your clients who are still in the work force should be reminded that Social Security was never intended to be the mainstay of a person's retirement income. So they should be encouraged to work longer and save more and not retire until they have enough money invested to outlast their expected lifetimes.
Gen X'rs can get your sympathy: A worker earning $95,000 per year who expects to retire in 2045 will pay in $200,000 more in Social Security taxes than he or she will receive in benefits. Ouch.
For your retired clients, you can use annual reviews to compare their retirement nest egg against their life expectancy. Maybe they should go back to work. Or cut their expenses. Or sell their home, downsize and invest the difference.
What if you're asked this question on your radio show? Well, you need to be careful so you don't needlessly inflame your listeners. Here are some possibilities:
You can blame Congress for spending the Social Security trust funds.
You can blame Congress for not acting sooner (and reminding your listeners that Congress still needs to act on the federal estate tax situation).
You can say that everyone's situation is different so you can't offer financial advice without more information (kinda wimpy but might result in a visit to your office)
You can offer general advice that Social Security has never been a complete substitute for comprehensive retirement planning.
My mother taught me long ago, "If you don't have something nice to say, don't say anything." Kind of tough in this situation. How about, "Social Security has been a nice deal for the past 77 years and who knows what the future will bring?"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing on the Latest Social Security Bailout
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing on the Latest Social Security Bailout
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 443-autosave
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 443-autosave
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 17:30:54
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 17:30:54
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-16 01:30:54
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/443-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/443-autosave/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 12:53:59
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 12:53:59
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 20:53:59
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 20:53:59
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
Financial advisors need to walk a fine line here. You have clients born before 1946 when the baby boomers first came on the scene. You have baby boomer clients who have retired after paying into Social Security their entire working careers. Other Baby Boomers have paid into Social Security for decades who won't receive full benefits until age 67. You may have a growing number of Gen X/Y clients who will pay the most into Social Security and get the fewest benefits.
A couple recent articles underscored the coming generational battle over funding Social Security and who gets what benefits. One article on CNBC.com placed the blame squarely on the shoulders of the Baby Boomers:
Will Baby Boomers Bankrupt Social Security?
As the record federal budget deficit draws increasing scrutiny from Washington to Wall Street to Main Street, deficit hawks may take aim at entitlement programs including Social Security.
And, the nearly 80 million Baby Boomers phasing into retirement will set in motion a dynamic that—if not addressed by Congress—could result in the next generation getting fewer benefits.
After some soothing words about the strength of the 'trust fund", the article describes the affect of the Baby Boom generation:
Looking back, the outlook was rosy for most Americans in 1946, the year earmarked as the beginning of the so-called “baby boom.” With World War II finally over, a 15-year stretch of bad times that had begun with the great Depression was finally over. They responded by having more babies than ever before, more than 78 million of them by 1964.
For Social Security, the mini-population explosion was both beneficial and problematic. Social Security is funded mostly through payroll taxes, with present-day workers funding the payouts for retirees. Since there have been so many Boomers in the workforce for so many years, there were a lot more people putting money into the system than taking it out.
As Boomers begin to retire, the huge group of people putting money into the system will begin taking it out of the system, which then will be funded by a generation of workers—the so-called Gen X—whose numbers are some 15 million fewer. The surplus of money paid into the system by Boomers will allow it to run into the late 2030s, even though it will begin paying out more than it takes in by 2017.
Before I show how the 2017 forecast won't happen, let's listen to a Gen X'r to get a taste of the coming divide:
Count Gen-Xer Tom Firey among those younger workers who think they’re getting the short end of the stick. The managing editor of the conservative Cato Institute magazine, Regulation, first wrote about the subject nearly 10 years ago in a column headlined, “Boomers Fleece Generation X with Social Security.”
“Ever since we Gen-X/Yers began working, we've paid 12.4 percent of our earnings to Social Security,” he wrote. “In contrast, the Boomers will get a bargain. When they entered the workforce in the late 1960s, they paid only 6.5 percent of their earnings to Social Security. Only from 1990 on, when the Boomers had earned paychecks for a quarter-century, did they start paying 12.4 percent to Social Security, the same percentage we Gen-X/Yers have paid our whole lives.”
That’s why Firey dubbed it The Boomers’ Bargain: “They've paid less of their earnings into Social Security than we Gen-X/Yers, yet they'll receive more in benefits than we will and we'll pick up the tab.”
As often comes with age, Firey has mellowed some in the past 10 years, even injecting dark humor into his outlook today. He says, "The last two generations gave themselves some additional retirement benefits just before they left the workforce. The World War II generation gave itself annual COLA (cost-of-living allowance) raises in 1975, and the boomers gave themselves the prescription drug benefit earlier this decade.”
“In essence, these generations said, ‘I'm not willing to pay for these new benefits for myself, but I'm happy to force my kids and grandkids to pay for these benefits for me,’ “Firey added.
You can read the rest to learn about the Greenspan Commission of 1983. http://www.cnbc.com/id/34941334 Like President Carter's fix in the late '70's, the Greenspan Commission's recommendations of benefit cuts and tax hikes spared current retirees and supposedly fixed the problem for "30 years."
You might be telling yourself, "What about the Trust Funds? Richard forgot about the trust funds!" My short answer is, "What trust? What funds? And what security?"
The reality of the situation is that the trust funds and $3 will buy you a cup of coffee at Starbucks. Now let's look at the math and why Social Security needs a bailout.
Next in line for a bailout: Social Security
By Allan Sloan, senior editor at large, Fortune magazine
February 2, 2010
NEW YORK (Fortune) -- Don't look now. But even as the bank bailout is winding down, another huge bailout is starting, this time for the Social Security system.
A report from the Congressional Budget Office shows that for the first time in 25 years, Social Security is taking in less in taxes than it is spending on benefits.
Instead of helping to finance the rest of the government, as it has done for decades, our nation's biggest social program needs help from the Treasury to keep benefit checks from bouncing -- in other words, a taxpayer bailout.
No one has officially announced that Social Security will be cash-negative this year. But you can figure it out for yourself, as I did, by comparing two numbers in the recent federal budget update that the nonpartisan CBO issued last week.
The first number is $120 billion, the interest that Social Security will earn on its trust fund in fiscal 2010 (see page 74 of the CBO report). The second is $92 billion, the overall Social Security surplus for fiscal 2010 (see page 116).
This means that without the interest income, Social Security will be $28 billion in the hole this fiscal year, which ends Sept. 30.
Why disregard the interest? Because as people like me have said repeatedly over the years, the interest, which consists of Treasury IOUs that the Social Security trust fund gets on its holdings of government securities, doesn't provide Social Security with any cash that it can use to pay its bills. The interest is merely an accounting entry with no economic significance.
The last sentence might have grabbed your attention. Surprised me to see it in a mainstream publication like Fortune magazine. Maybe it shouldn't surprise us. How do you pay your business expenses, with cash or with accounts receivables? Of course, you can't pay bills with IOU's unless you first convert the IOU's into cash. Same problem for the federal government except that Uncle Sam is already borrowing over a trillion dollars this year.
You can read the rest of the Fortune article here: http://money.cnn.com/2010/02/02/news/economy/social_security_bailout.fortune/index.htm
So how do you apply your marketing mindset to handle this situation? In your office, you deal with each person or couple based on their situation. Social Security is just one more (obviously major) factor to consider.
All of your clients who are still in the work force should be reminded that Social Security was never intended to be the mainstay of a person's retirement income. So they should be encouraged to work longer and save more and not retire until they have enough money invested to outlast their expected lifetimes.
Gen X'rs can get your sympathy: A worker earning $95,000 per year who expects to retire in 2045 will pay in $200,000 more in Social Security taxes than he or she will receive in benefits. Ouch.
For your retired clients, you can use annual reviews to compare their retirement nest egg against their life expectancy. Maybe they should go back to work. Or cut their expenses. Or sell their home, downsize and invest the difference.
What if you're asked this question on your radio show? Well, you need to be careful so you don't needlessly inflame your listeners. Here are some possibilities:
You can blame Congress for spending the Social Security trust funds.
You can blame Congress for not acting sooner (and reminding your listeners that Congress still needs to act on the federal estate tax situation).
You can say that everyone's situation is different so you can't offer financial advice without more information (kinda wimpy but might result in a visit to your office)
You can offer general advice that Social Security has never been a complete substitute for comprehensive retirement planning.
My mother taught me long ago, "If you don't have something nice to say, don't say anything." Kind of tough in this situation. How about, "Social Security has been a nice deal for the past 77 years and who knows what the future will bring?"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
Financial advisors need to walk a fine line here. You have clients born before 1946 when the baby boomers first came on the scene. You have baby boomer clients who have retired after paying into Social Security their entire working careers. Other Baby Boomers have paid into Social Security for decades who won't receive full benefits until age 67. You may have a growing number of Gen X/Y clients who will pay the most into Social Security and get the fewest benefits.
A couple recent articles underscored the coming generational battle over funding Social Security and who gets what benefits. One article on CNBC.com placed the blame squarely on the shoulders of the Baby Boomers:
Will Baby Boomers Bankrupt Social Security?
As the record federal budget deficit draws increasing scrutiny from Washington to Wall Street to Main Street, deficit hawks may take aim at entitlement programs including Social Security.
And, the nearly 80 million Baby Boomers phasing into retirement will set in motion a dynamic that—if not addressed by Congress—could result in the next generation getting fewer benefits.
After some soothing words about the strength of the 'trust fund", the article describes the affect of the Baby Boom generation:
Looking back, the outlook was rosy for most Americans in 1946, the year earmarked as the beginning of the so-called “baby boom.” With World War II finally over, a 15-year stretch of bad times that had begun with the great Depression was finally over. They responded by having more babies than ever before, more than 78 million of them by 1964.
For Social Security, the mini-population explosion was both beneficial and problematic. Social Security is funded mostly through payroll taxes, with present-day workers funding the payouts for retirees. Since there have been so many Boomers in the workforce for so many years, there were a lot more people putting money into the system than taking it out.
As Boomers begin to retire, the huge group of people putting money into the system will begin taking it out of the system, which then will be funded by a generation of workers—the so-called Gen X—whose numbers are some 15 million fewer. The surplus of money paid into the system by Boomers will allow it to run into the late 2030s, even though it will begin paying out more than it takes in by 2017.
Before I show how the 2017 forecast won't happen, let's listen to a Gen X'r to get a taste of the coming divide:
Count Gen-Xer Tom Firey among those younger workers who think they’re getting the short end of the stick. The managing editor of the conservative Cato Institute magazine, Regulation, first wrote about the subject nearly 10 years ago in a column headlined, “Boomers Fleece Generation X with Social Security.”
“Ever since we Gen-X/Yers began working, we've paid 12.4 percent of our earnings to Social Security,” he wrote. “In contrast, the Boomers will get a bargain. When they entered the workforce in the late 1960s, they paid only 6.5 percent of their earnings to Social Security. Only from 1990 on, when the Boomers had earned paychecks for a quarter-century, did they start paying 12.4 percent to Social Security, the same percentage we Gen-X/Yers have paid our whole lives.”
That’s why Firey dubbed it The Boomers’ Bargain: “They've paid less of their earnings into Social Security than we Gen-X/Yers, yet they'll receive more in benefits than we will and we'll pick up the tab.”
As often comes with age, Firey has mellowed some in the past 10 years, even injecting dark humor into his outlook today. He says, "The last two generations gave themselves some additional retirement benefits just before they left the workforce. The World War II generation gave itself annual COLA (cost-of-living allowance) raises in 1975, and the boomers gave themselves the prescription drug benefit earlier this decade.”
“In essence, these generations said, ‘I'm not willing to pay for these new benefits for myself, but I'm happy to force my kids and grandkids to pay for these benefits for me,’ “Firey added.
You can read the rest to learn about the Greenspan Commission of 1983. http://www.cnbc.com/id/34941334 Like President Carter's fix in the late '70's, the Greenspan Commission's recommendations of benefit cuts and tax hikes spared current retirees and supposedly fixed the problem for "30 years."
You might be telling yourself, "What about the Trust Funds? Richard forgot about the trust funds!" My short answer is, "What trust? What funds? And what security?"
The reality of the situation is that the trust funds and $3 will buy you a cup of coffee at Starbucks. Now let's look at the math and why Social Security needs a bailout.
Next in line for a bailout: Social Security
By Allan Sloan, senior editor at large, Fortune magazine
February 2, 2010
NEW YORK (Fortune) -- Don't look now. But even as the bank bailout is winding down, another huge bailout is starting, this time for the Social Security system.
A report from the Congressional Budget Office shows that for the first time in 25 years, Social Security is taking in less in taxes than it is spending on benefits.
Instead of helping to finance the rest of the government, as it has done for decades, our nation's biggest social program needs help from the Treasury to keep benefit checks from bouncing -- in other words, a taxpayer bailout.
No one has officially announced that Social Security will be cash-negative this year. But you can figure it out for yourself, as I did, by comparing two numbers in the recent federal budget update that the nonpartisan CBO issued last week.
The first number is $120 billion, the interest that Social Security will earn on its trust fund in fiscal 2010 (see page 74 of the CBO report). The second is $92 billion, the overall Social Security surplus for fiscal 2010 (see page 116).
This means that without the interest income, Social Security will be $28 billion in the hole this fiscal year, which ends Sept. 30.
Why disregard the interest? Because as people like me have said repeatedly over the years, the interest, which consists of Treasury IOUs that the Social Security trust fund gets on its holdings of government securities, doesn't provide Social Security with any cash that it can use to pay its bills. The interest is merely an accounting entry with no economic significance.
The last sentence might have grabbed your attention. Surprised me to see it in a mainstream publication like Fortune magazine. Maybe it shouldn't surprise us. How do you pay your business expenses, with cash or with accounts receivables? Of course, you can't pay bills with IOU's unless you first convert the IOU's into cash. Same problem for the federal government except that Uncle Sam is already borrowing over a trillion dollars this year.
You can read the rest of the Fortune article here: http://money.cnn.com/2010/02/02/news/economy/social_security_bailout.fortune/index.htm
So how do you apply your marketing mindset to handle this situation? In your office, you deal with each person or couple based on their situation. Social Security is just one more (obviously major) factor to consider.
All of your clients who are still in the work force should be reminded that Social Security was never intended to be the mainstay of a person's retirement income. So they should be encouraged to work longer and save more and not retire until they have enough money invested to outlast their expected lifetimes.
Gen X'rs can get your sympathy: A worker earning $95,000 per year who expects to retire in 2045 will pay in $200,000 more in Social Security taxes than he or she will receive in benefits. Ouch.
For your retired clients, you can use annual reviews to compare their retirement nest egg against their life expectancy. Maybe they should go back to work. Or cut their expenses. Or sell their home, downsize and invest the difference.
What if you're asked this question on your radio show? Well, you need to be careful so you don't needlessly inflame your listeners. Here are some possibilities:
You can blame Congress for spending the Social Security trust funds.
You can blame Congress for not acting sooner (and reminding your listeners that Congress still needs to act on the federal estate tax situation).
You can say that everyone's situation is different so you can't offer financial advice without more information (kinda wimpy but might result in a visit to your office)
You can offer general advice that Social Security has never been a complete substitute for comprehensive retirement planning.
My mother taught me long ago, "If you don't have something nice to say, don't say anything." Kind of tough in this situation. How about, "Social Security has been a nice deal for the past 77 years and who knows what the future will bring?"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing on the Latest Social Security Bailout
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing on the Latest Social Security Bailout
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Social Security is back in the news these days. And the news isn't pretty. We've seen a steep and prolonged drop in employment during this recession. Now social security tax revenues have now fallen below the benefits being paid out to current retirees. This hasn't happened in 25 years so Congress needs to "do something" and you may get asked your opinion on this. Maybe in your office and maybe on your live radio show.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 12:53:59
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-15 12:53:59
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-15 20:53:59
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/443-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/443-revision-6/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or firm? Or does it speak about what's in it for the client? What's the ratio of "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, you want more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this.
I first learned this concept from Jay Abraham in 1989. He taught me everyone is tuned into the same radio station: WII-FM. Remember WII-FM in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust seminar product or hire me to redesign your website.
Your clients, and especially your prospecs, don't care about your problems. They really only care about their problems:
Their retirement income..."Will I have enough?"
Their financial goals..."When can I retire?"
Their children's college fund... "How can pay for college for all my kids?"
Their long-term-care risk... "What if my husband gets Alzheimers?"
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. " So he has staff who know their marketing. It seems that they took the day off a few days ago when the President gave this speech. Here is a 2 minute clip to make my point:
http://www.youtube.com/watch?v=I9UIpW_3P5s
You need to avoid the "I/my" approach in your marketing or your prospects will avoid you .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Whenever I need to improve a sales letter, yellow page ad, magazine ad, or web page, I first zero in on something simple. Does the ad speak about the advisor or firm? Or does it speak about what's in it for the client? What's the ratio of "I" or "mine" versus "You" or "yours"?
Let me ask you a question: Do you read this website to learn about me or learn how to grow your financial planning practice with better marketing?
My mom might read this site to learn something new about me . Maybe. The rest of you read this because you want more clients, you want more assets under management, and you want to reduce the hassles of running a financial planning practice so you can enjoy your life more?
Seems so simple but 99% of ads out there don't get this.
I first learned this concept from Jay Abraham in 1989. He taught me everyone is tuned into the same radio station: WII-FM. Remember WII-FM in your marketing and you'll find success.
What does WII-FM stand for? "What's In It For Me?"
That's what you care about when you read these articles or get my living trust seminar product or hire me to redesign your website.
Your clients, and especially your prospecs, don't care about your problems. They really only care about their problems:
Their retirement income..."Will I have enough?"
Their financial goals..."When can I retire?"
Their children's college fund... "How can pay for college for all my kids?"
Their long-term-care risk... "What if my husband gets Alzheimers?"
Let me show you a political example of when this I/You concept is lost. It features President Obama. His campaign for president was a marketing tour-de-force. Master Clayton Makepeace called his budget proposal "The best sales copy ever on the worst product ever. " So he has staff who know their marketing. It seems that they took the day off a few days ago when the President gave this speech. Here is a 2 minute clip to make my point:
http://www.youtube.com/watch?v=I9UIpW_3P5s
You need to avoid the "I/my" approach in your marketing or your prospects will avoid you .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success By Focusing On "You" Not "I"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success By Focusing On "You" Not "I"
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/415-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/415-revision-8/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Your clients want decent returns and to avoid losses. So where do you put their money? What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls in the past. Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
The Last Shall Be First
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
For more insights on investments and the economy with a contrarian and witty twist, click through and subscribe to the Daily Reckoning e-zine.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Your clients want decent returns and to avoid losses. So where do you put their money? What's hot one year may be cold as ice the next year. Hence the caveat that "past performance is no guarantee of future results." Yet when investing for the long-term, it can pay to listen to those who made correct long-term calls in the past. Today's guest columnist Bill Bonner made a dead-on long-term call 10 years ago...and he just made another for our new decade.
The Last Shall Be First
By Bill Bonner
01/22/10 Paris, France – The yen is falling. It’s down 5% against the dollar since November. Investors are finally noticing. With a deficit of 50% of GDP, the Japanese government walks where angels fear to tread. Americans aren’t far behind. To make a long story short, our money is on the angels.
Only an economist would dare to look 10 years ahead. Only a fool would put money on it. Today, we do both. But our new “Trade of the Decade,” is not so much a look into the future as it is a look at the past.
Ten years ago, your humble correspondent offered his first ‘Trade of the Decade.’ He should have stopped there, for the trade was a big success. It was a simpleton’s trade: Sell US stocks/buy gold. That was in the year 2000. At that time, US stocks had been going up for the previous 18 years, multiplying investors’ money 11 times. By then, stocks had been going up for so long that the memory of man ranneth not to the contrary. Investors’ imaginations saw no alternative. Stocks for the Long Run was the title of a popular book. It was also an investment formula that seemed unbeatable.
Alas, the formula proved beatable. It was time for stocks to go the other way. The first decade of the 21st century proved to be the worst time to hold stocks since the ’30s. Net returns were negative – especially when adjusted for inflation. Adjusted to the CPI, the Dow ended the decade down 40%.
The other side of the trade – the buy side – was just as simpleminded. Gold hit a high over $800 in 1980. Then, it slipped for the next 20 years. It didn’t come to rest until September 1999 at $260. That was the famous “Brown Bottom” in the yellow metal…when the then chancellor of the exchequer, Gordon Brown, sold Britain’s gold at the lowest price in two decades. (To bring readers up to date, now Mr. Brown applies his vision and energy to Britain’s economic recovery efforts.)
Gold is real money. But in the years when gold was being beaten down, other forms of money were running wild. Financial assets mushroomed all over the globe. A whole new ‘shadow banking’ system emerged…with new financial instruments, representing trillions…no, hundreds of trillions…of dollars. Prices on everything were soaring – equity, debt, real property. It did not take a genius to see that gold would have to catch up, sooner or later. As it turned out, no major asset class did better. Gold finished every single year higher than the year before. It doubled. Then, it doubled again.
What made the trade a success was neither clairvoyance nor omniscience; it was merely an observation known as ‘regression to the mean.’ The word ‘normal’ has been in the dictionary for a long time. It must be there for a reason. What it describes is where things tend to go when they’ve gotten out of whack. Regression to the mean is so powerful, no one escapes it. For every decade of walking around time, a person spends a million years dead. Over a century, practically every human regresses to the grave. So, what is so abnormal now that regression to the mean is as certain as death?
Almost all investments are expensive by most historical measures. But if all go down, what will they go down against? Money! That’s why real money – gold – is likely to go up again in the next 10 years. But gold is not cheap. It rose nearly 400% over the last 10 years and now is fairly priced. Gold in the treasure trove found in England last year is worth today about the same thing it was when it was buried 12 centuries ago. It cannot regress to the mean; it is already there.
On the buy side, we are looking for an investment that is despised…not one that is admired. And so, back to Japan, where equities peaked out in 1990 and have been going down ever since. While the Japanese government wanders among the stars, the private sector has dropped back to the ground. Or beneath it. Tokyo-listed stocks have lost 75% of their value, wiping out an entire generation worth of growth. Many Japanese companies sell for less than the value of their current net assets.
And now, after twenty years, Japan’s private businesses are finally benefiting from the stimulus programs. The government will go broke, but by destroying its own credit, Japan cuts the value of the yen and boosts profits for its exporters. Toyota’s local labor costs – in dollar terms – fell 5% in the last three months. And by the time the catastrophe is complete, Japan’s businesses could be the most competitive in the world. One way or another, 10 years from now, we’ll wager that Japanese stocks will be higher…if only relative to the rest of the world’s equities.
But of all the whack that investments might be out of, US Treasury debt stands above them all. For the last 27 years, the US government’s cost of borrowing has gone down. But while bond yields declined, the quantity of US debt exploded. Official, on-the-books debt trebled. Include off the books, unfunded financial obligations and the total reaches $118 trillion – 8 times GDP. And now the explosions come every month. As the depression continues, US deficit-financing needs could rise to $150 billion every 30 days. So far, the bond market has absorbed the shocks with good grace. But sometime in the next 10 years, the angels are bound to be proven right.
Sell US Treasury bonds. Buy Japanese stocks.
Regards,
Bill Bonner,
for The Daily Reckoning
Well, there you have it: Buy Japan and Sell Treasuries. We'll all see how it all turns out in 2020.
For more insights on investments and the economy with a contrarian and witty twist, click through and subscribe to the Daily Reckoning e-zine.
Source: http://dailyreckoning.com/the-last-shall-be-first-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Retirement Planning and the "Trade of the Decade"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Retirement Planning and the "Trade of the Decade"
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/394-revision-11/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard takes you into the "voting booth" and votes against 2 tax increases on the ballot in Oregon. What does this have to do with advisor marketing success?
Remember in most elections candidates and ballot measures win 51% to 49%. So whenever you take a public stand on a political matter you'll likely to get half the voters mad. Your marketing mindset should tell you not to get your clients and prospective clients hopping mad with something you say!
http://www.youtube.com/watch?v=aVYfLGswvCE
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard takes you into the "voting booth" and votes against 2 tax increases on the ballot in Oregon. What does this have to do with advisor marketing success?
Remember in most elections candidates and ballot measures win 51% to 49%. So whenever you take a public stand on a political matter you'll likely to get half the voters mad. Your marketing mindset should tell you not to get your clients and prospective clients hopping mad with something you say!
http://www.youtube.com/watch?v=aVYfLGswvCE
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: Taking Public Positions on Tax Increases
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: Taking Public Positions on Tax Increases
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard takes you into the "voting booth" and votes against 2 tax increases on the ballot in Oregon. What does this have to do with advisor marketing success?
Remember in most elections candidates and ballot measures win 51% to 49%. So whenever you take a public stand on a political matter you'll likely to get half the voters mad. Your marketing mindset should tell you not to get your clients and prospective clients hopping mad with something you say!
http://www.youtube.com/watch?v=aVYfLGswvCE
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard takes you into the "voting booth" and votes against 2 tax increases on the ballot in Oregon. What does this have to do with advisor marketing success?
Remember in most elections candidates and ballot measures win 51% to 49%. So whenever you take a public stand on a political matter you'll likely to get half the voters mad. Your marketing mindset should tell you not to get your clients and prospective clients hopping mad with something you say!
http://www.youtube.com/watch?v=aVYfLGswvCE
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: Taking Public Positions on Tax Increases
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: Taking Public Positions on Tax Increases
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Watch Richard vote in a special election and learn how taking public political stands can alienate your clients and prospects.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Watch Richard vote in a special election and learn how taking public political stands can alienate your clients and prospects.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/389-revision-5/
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What's your tolerance for risk?
Are you okay with short-term losses to make long-term gains?
Who gets your money when you die?
Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with good answers?
In a recent issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade ." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
What's your tolerance for risk?
Are you okay with short-term losses to make long-term gains?
Who gets your money when you die?
Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with good answers?
In a recent issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade ." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
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What's your tolerance for risk?
Are you okay with short-term losses to make long-term gains?
Who gets your money when you die?
Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with good answers?
In a recent issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade ." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
What's your tolerance for risk?
Are you okay with short-term losses to make long-term gains?
Who gets your money when you die?
Sometimes clients have ready answers. Other times a couple will look at each other and tell you, "We need to talk about this." No problem, you don't expect a ready answers for these tough questions.
But what about when your client or a prospective client asks YOU some tough questions? Are you ready with good answers?
In a recent issue, Fortune magazine named Apple CEO Steve Jobs, the "CEO of the Decade ." Steve Jobs is a master showman and watching his product intros is always a kick...even if you're a hardcore Windows/Blackberry guy. This quote really jumped out at me:
A key Jobs business tool is his mastery of the message . He rehearses over and over every line he and others utter in public about Apple. ~ Fortune
For the curious, you can watch him in action below when he introduced the Macintosh (1984), iPod (2001) and iPhone (2007). He only had one chance to make a good first impression. So Steve practiced his lines over and over again and nailed the presentation.
Fortunately, you'll likely be alone with your client in your office or conference room. A larger venue might be a living trust seminar with 25 or 30 people in the room. While a smaller stage than Steve Jobs commands, your ability to provide a sincere and convincing answer can win or lose the account.
What might you get asked? I dug around the Internet and found numerous lists of "questions to ask your financial advisor." Here are some highlights:
5 Questions To Ask a Potential Financial Advisor
1. Tell Me About Your Ideal Client
Any good financial advisor will have an area of expertise. You want someone who has expertise working with someone like you. If you’re about to retire, and they tell you they work with young families, maybe this isn’t the person for you. Find a financial advisor whose ideal client sounds very similar to your situation in terms of age, stage of life, and asset level.
3. Ask A Potential Financial Advisor to Explain A Concept To You
What you are looking for here is, can you understand their explanation? If they speak over your head, or their answer makes no sense, then move on. You want to work with someone who can explain financial concepts to you in language you can understand.
Below are five concept oriented questions to consider asking:
What is passive vs. active investing?
How do you determine how much of my money should be in stocks vs. bonds?
What is a laddered bond portfolio?
How do you determine how much money I can safely withdraw each year without running out?
What do you think of annuities?
Seven Questions to Ask When Picking a Financial Adviser (The Wall Street Journal)
As investors look for guidance in these troubled markets, one question looms above all others:
Whom can you trust?
During boom times, it was easy to hire a financial adviser and put your money on autopilot. Now the market is in chaos and thousands of investors have been devastated by fraud, with Madoffed threatening to become an all-too-common verb.
Small wonder that many investors are getting reluctant to put their faith in experts. More than three-quarters of individuals with at least $1 million to invest intend to move money away from their financial advisers, and more than half intend to leave their advisers altogether, according to Prince & Associates Inc., a market-research firm.
The trouble is, many investors don't have the time or expertise to make all of their own investment decisions. So, having a professional on your side is crucial. But how can you guarantee that your expert is reliable?
6. Can the adviser put it in writing?
Ask for a formal written outline of the services the adviser will be providing and what fees you will be paying. By setting concrete expectations, you can determine if an adviser is going to, say, "help you set goals and do budgeting or just make investment decisions," says Ellen Turf, chief executive of the National Association of Personal Financial Advisors.
For instance, you can ask advisers to spell out what they think you are trying to achieve and what they think you should do to get there, including investment strategies, specific benchmarks and suggested financial products. If advisers can't explain their plan in simple terms, another red flag should go up. Secret strategies like those touted by Mr. Madoff are no longer acceptable, Mr. Sonnenfeldt says.
Also ask advisers to spell out who else stands to gain from your relationship -- such as affiliated broker-dealers and insurance agencies -- as well as exactly how much the adviser, the adviser's firm and all those other parties will earn from your business.
Finally, find out whether the advisers are going to take on fiduciary responsibility, in which they are legally bound to act in your best interest. If advisers don't take this oath, they're only required to sell you products that are deemed suitable for you -- and those may not always be the best fit for your financial situation or objectives.
Eight Questions to Ask Your Financial Advisor
(1) Do you use a comprehensive approach to financial planning by directing our efforts around a written plan based upon my specific goals?
(2) How will you communicate, both initially and through time, what I am paying you, how I am paying you, and what I am receiving for it?
(3) Do you have any conflicts, limitations, or encumbrances that I need to be aware of, and will you communicate them in the future if any arise?
(4) What is your core philosophy regarding your work? What results would lead YOU to conclude that our work together is successful?
(5) Are you acting as a specialist or a generalist? In either case, who will be coordinating the specialists that will be needed over time to address my changing needs?
(6) How often do you meet with clients? What do those meetings look like, and what communication methods do you use between meetings?
(7) Will I be working directly with you, or through skilled assistants, and what procedures should I expect as far as phone calls made and received, mail sent and received, etc.?
(8) What issues, topics, or challenges should I NOT be concerned about, despite what I may hear through the media; what issues, topics, or challenges SHOULD I be concerned about, despite not hearing much about it; and, how will you help me do that?
How to Choose a Planner (CFP Board)
2 Q. What are your qualifications?
A. The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant-Personal Financial Specialist (CPA-PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. [Nice to see they included ChFC along with CFP.]
15 Questions to Ask a Financial Advisor [written by a CPA who is also a financial advisor]
3. Can the advisor explain their investment philosophy in simple language? A 10-year-old should be able to understand the logic of the investment philosophy.
5. Ask the advisor, "why are you in the business?" "Besides your alarm clock, what makes you get up in the morning?"
6. Can evidence be presented to back up the advisor’s investment approach?
7. Where is the advisors own money invested?
That last question might stump many advisors. Would you use a realtor to buy a house who has rented his whole life? Or buy stocks through a stockbroker who keeps all his money in money market funds? Would you keep your savings with a banker who keeps his savings under his mattress? Probably not.
So my advice to you is to click through a few of these articles and try to see things from your client's perspective. You want to develop clear, convincing and sincere answers to these types of questions. Practice in front of a mirror. Ask your spouse to role play. Or use your webcam to record your answers and give them a critical view. You'll be glad you did.
Now watch what careful preparation did for Steve Jobs. He made a great first impression. And followed through later on what he said. And prospered. Go and do likewise!
http://www.youtube.com/watch?v=G0FtgZNOD44
http://www.youtube.com/watch?v=kN0SVBCJqLs
http://www.youtube.com/watch?v=gQ2CMMdowu0&feature=related
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing with Ready Answers for Difficult Questions
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The Telegraph got a lot of attention this week. This well-respected writer's warning of hyperinflation in Japan has a lot of people thinking, "Could this really happen?" Ambrose Evans-Pritchard recommends staying in cash until the "real" recovery begins in mid to late 2010.
Give this a read and give it some thought. Your next client may walk in the door and ask, "Could this really happen?"
"Global bear rally will deflate as Japan leads world in sovereign bond crisis"
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The Telegraph got a lot of attention this week. This well-respected writer's warning of hyperinflation in Japan has a lot of people thinking, "Could this really happen?" Ambrose Evans-Pritchard recommends staying in cash until the "real" recovery begins in mid to late 2010.
Give this a read and give it some thought. Your next client may walk in the door and ask, "Could this really happen?"
"Global bear rally will deflate as Japan leads world in sovereign bond crisis"
Milton Keynes will be vindicated. Lord Keynes will lose some of his new-found gloss. The Krugman doctrine that we should all spend our way back to health by pushing deficits to the brink of a debt spiral – or beyond the brink – will be seen as dangerous.
By Ambrose Evans-Pritchard, International Business Editor
Published: 6:15AM GMT 04 Jan 2010
The contraction of M3 money in the US and Europe over the last six months will slowly puncture economic recovery as 2010 unfolds, with the time-honoured lag of a year or so. Ben Bernanke will be caught off guard, just as he was in mid-2008 when the Fed drove straight through a red warning light with talk of imminent rate rises – the final error that triggered the implosion of Lehman, AIG, and the Western banking system.
As the great bear rally of 2009 runs into the greater Chinese Wall of excess global capacity, it will become clear that we are in the grip of a 21st Century Depression – more akin to Japan's Lost Decade than the 1840s or 1930s, but nothing like the normal cycles of the post-War era. The surplus regions (China, Japan, Germania, Gulf) have not increased demand enough to compensate for belt-tightening in the deficit bloc (Anglo-sphere, Club Med, East Europe), and fiscal adrenalin is already fading in Europe. The vast East-West imbalances that caused the credit crisis are no better a year later, and perhaps worse. Household debt as a share of GDP sits near record levels in two-fifths of the world economy. Our long purge has barely begun. That is the elephant in the global tent.
We will be reminded too that the West's fiscal blitz – while vital to halt a self-feeding crash last year – has merely shifted the debt burden onto sovereign shoulders, where it may do more harm in the end if handled with the sort of insouciance now on display in Britain.
Yields on AAA German, French, US, and Canadian bonds will slither back down for a while in a fresh deflation scare. Exit strategies will go back into the deep freeze. Far from ending QE, the Fed will step up bond purchases. Bernanke will get religion again and ram down 10-year Treasury yields, quietly targeting 2.5pc. The funds will try to play the liquidity game yet again, piling into crude, gold, and Russian equities, but this time returns will be meagre. They will learn to respect secular deflation.
Weak sovereigns will buckle. The shocker will be Japan, our Weimar-in-waiting. This is the year when Tokyo finds it can no longer borrow at 1pc from a captive bond market, and when it must foot the bill for all those fiscal packages that seemed such a good idea at the time. Every auction of JGBs will be a news event as the public debt punches above 225pc of GDP. Finance Minister Hirohisa Fujii will become as familiar as a rock star.
Once the dam breaks, debt service costs will tear the budget to pieces. The Bank of Japan will pull the emergency lever on QE. The country will flip from deflation to incipient hyperinflation. The yen will fall out of bed, outdoing China's yuan in the beggar-thy-neighbour race to the bottom. By then China too will be in a quandary. Wild credit growth can mask the weakness of its mercantilist export model for a while, but only at the price of an asset bubble. Beijing must hit the brakes this year, or store up serious trouble. It will make as big a hash of this as Western central banks did in 2007-2008.
The European Central Bank will stick to its Wagnerian course, standing aloof as ugly loan books set off wave two of Europe's banking woes. The Bundesbank will veto proper QE until it is too late, deeming it an implicit German bail-out for Club Med.
More hedge funds will join the EMU divergence play, betting that the North-South split has gone beyond the point of no return for a currency union. This will enrage the Eurogroup. Brussels will dust down its paper exploring the legal basis for capital controls. Italy's Giulio Tremonti will suggest using EU terror legislation against "speculators".
Wage cuts will prove a self-defeating policy for Club Med, trapping them in textbook debt-deflation. The victims will start to notice this. Articles will appear in the Greek, Spanish, and Portuguese press airing doubts about EMU. Eurosceptic professors will be ungagged. Heresy will spread into mainstream parties.
Greece's Prime Minister Papandréou will balk at EMU immolation. The Hellenic Socialists will call Europe's bluff, extracting loans that gain time but solve nothing. Berlin will climb down and pay, but only once: thereafter, Zum Teufel.
In the end, the Euro's fate will be decided by strikes, street protest, and car bombs as the primacy of politics returns. I doubt that 2010 will see the denouement, but the mood music will be bad enough to knock the euro off its stilts.
The dollar rally will gather pace. America's economy – though sick – will shine within the even sicker OECD club. The British will need the shock of a gilts crisis to shatter their complacency. In time, the Dunkirk spirit will rise again. Mervyn King's pre-emptive QE and timely devaluation will bear fruit this year, sparing us the worst.
By mid to late 2010, we will have lanced the biggest boils of the global system. Only then, amid fear and investor revulsion, will we touch bottom. That will be the buying opportunity of our lives.
Source: http://www.telegraph.co.uk/finance/comment/ambroseevans_pritchard/6927923/Global-bear-rally-of-2009-will-end-as-Japans-hyperinflation-rips-economy-to-pieces.html
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Financial Advisors' Dilemma: Stay Invested or Go to Cash?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Financial Advisors' Dilemma: Stay Invested or Go to Cash?
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Let's remember what Milton Friedman said about tax cuts, "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt.
Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
Why No Estate Tax Could Be a Killer
By Laura Saunders, The Wall Street Journal, 2/13/2010
Congress shocked everyone by letting the estate tax lapse on Jan. 1.
Now, here is the real stunner: For many, the lapse actually will raise taxes.
Under last year's law, estates up to $3.5 million, or $7 million for married couples, were exempt from federal tax. This year that law has been replaced by a fiendishly complex levy raising taxes on the assets of those with little as $1.3 million. It will affect the heirs of at least 50,000 U.S. taxpayers who die this year, whereas the old law affected only about 15,000 estates a year, according to the Tax Policy Center.
"The new system is far worse for many people who have assets between $1.3 million and $3.5 million," says veteran estate lawyer Ronald Aucutt, of McGuire Woods.
This little-understood facet of the current law was enacted as part of a deal brokered in 2001 with the expectation Congress would never let the estate tax actually expire. It isn't clear when, or even if, a badly polarized Congress will take up the estate tax this year.
Legal Challenges
If lawmakers do bring back the estate tax, that would bring another set of problems. Reinstatement of the tax retroactive to Jan. 1, which many advocate, will bring legal challenges from wealthy estates that could take years to resolve. But if some version of the old system isn't reinstated, heirs of smaller estates will suffer.
To see what is at stake, consider how differently this year's and last year's regimes treat the same asset held by two fictional widows: Ms. Bentley has total assets of $20 million, while Ms. Subaru's total is $2 million. Each owns a $110,000 block of the same stock bought for $10,000 years ago. This simplified example uses a block of stock, but its logic applies to all appreciated assets, including houses and land.
Under current law Ms. Bentley and her heirs prosper. If she dies this year and the stock is sold, her heirs will owe only a $15,000 capital-gains tax, whereas last year the same move would have incurred nearly $50,000 in estate tax. By contrast, Ms. Subaru's heirs would have owed nothing last year because the estate was below the $3.5 million exemption. This year they would owe the same $15,000 capital-gains tax Ms. Bentley's heirs do.
The reason: Under the old estate tax, assets could be written up to their full value at the death of the owner, and neither widow had to pay capital-gains tax on the $100,000 increase in the stock last year. But current law fully taxes gains while imposing no tax on estates. Quite simply, the demise of the 45% estate tax helps Ms. Bentley and her heirs more than the 15% tax on appreciation hurts them. For Ms. Subaru, the reverse is true.
Winners and Losers
Beth Shapiro Kaufman, an attorney with Caplin & Drysdale, made estimates showing who is better off under last year's versus this year's system. She found that heirs of estates with assets totaling between $1.3 and $4.3 million would often have been better off last year, while those with bigger estates will do better this year.
Current law does give some relief to heirs of smaller estates. All estates receive at least $1.3 million of exemption from the tax on appreciation. The executor can "cherry-pick" assets after death and assign the exemption to maximize its value.
But the law is full of traps and demands detailed record keeping. Experts are telling those affected to avoid irrevocable actions, like distributing or selling assets, while the situation remains unresolved.
Some hope that Congress will wind up doing what it did when a similar tax regime was tried in the late 1970s. It was repealed after an uproar, but the estates of those who died while the law was in flux got to choose which system to use.
Such an approach could avoid some ugly family situations. Last December, some wealthy people were kept alive until the estate tax lapsed in January. "But if the tax comes back," says Mr. Aucutt, "Relatives might be tempted to pull the plug."
Source: http://online.wsj.com/article/SB10001424052748703630404575053430667449198.html?mod=WSJ_article_RecentColumns
How can Congress solve this problem? I like the solution proposed in the article: let families choose between estate tax systems.
You better keep your clients up to date on what's happening with the estate tax. Don't wait for the annual review. And don't let one of your competitors tell them about it first. You might lose a client.
On the other hand, you'd be doing your competitors' clients a favor if YOU let them know what's going on. One way would be to put on free public seminars on estate planning. Establish yourself as your city's expert on estate planning. Take a look at my estate seminar system and you could be giving your first seminar in 30 days!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Let's remember what Milton Friedman said about tax cuts, "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt.
Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
Why No Estate Tax Could Be a Killer
By Laura Saunders, The Wall Street Journal, 2/13/2010
Congress shocked everyone by letting the estate tax lapse on Jan. 1.
Now, here is the real stunner: For many, the lapse actually will raise taxes.
Under last year's law, estates up to $3.5 million, or $7 million for married couples, were exempt from federal tax. This year that law has been replaced by a fiendishly complex levy raising taxes on the assets of those with little as $1.3 million. It will affect the heirs of at least 50,000 U.S. taxpayers who die this year, whereas the old law affected only about 15,000 estates a year, according to the Tax Policy Center.
"The new system is far worse for many people who have assets between $1.3 million and $3.5 million," says veteran estate lawyer Ronald Aucutt, of McGuire Woods.
This little-understood facet of the current law was enacted as part of a deal brokered in 2001 with the expectation Congress would never let the estate tax actually expire. It isn't clear when, or even if, a badly polarized Congress will take up the estate tax this year.
Legal Challenges
If lawmakers do bring back the estate tax, that would bring another set of problems. Reinstatement of the tax retroactive to Jan. 1, which many advocate, will bring legal challenges from wealthy estates that could take years to resolve. But if some version of the old system isn't reinstated, heirs of smaller estates will suffer.
To see what is at stake, consider how differently this year's and last year's regimes treat the same asset held by two fictional widows: Ms. Bentley has total assets of $20 million, while Ms. Subaru's total is $2 million. Each owns a $110,000 block of the same stock bought for $10,000 years ago. This simplified example uses a block of stock, but its logic applies to all appreciated assets, including houses and land.
Under current law Ms. Bentley and her heirs prosper. If she dies this year and the stock is sold, her heirs will owe only a $15,000 capital-gains tax, whereas last year the same move would have incurred nearly $50,000 in estate tax. By contrast, Ms. Subaru's heirs would have owed nothing last year because the estate was below the $3.5 million exemption. This year they would owe the same $15,000 capital-gains tax Ms. Bentley's heirs do.
The reason: Under the old estate tax, assets could be written up to their full value at the death of the owner, and neither widow had to pay capital-gains tax on the $100,000 increase in the stock last year. But current law fully taxes gains while imposing no tax on estates. Quite simply, the demise of the 45% estate tax helps Ms. Bentley and her heirs more than the 15% tax on appreciation hurts them. For Ms. Subaru, the reverse is true.
Winners and Losers
Beth Shapiro Kaufman, an attorney with Caplin & Drysdale, made estimates showing who is better off under last year's versus this year's system. She found that heirs of estates with assets totaling between $1.3 and $4.3 million would often have been better off last year, while those with bigger estates will do better this year.
Current law does give some relief to heirs of smaller estates. All estates receive at least $1.3 million of exemption from the tax on appreciation. The executor can "cherry-pick" assets after death and assign the exemption to maximize its value.
But the law is full of traps and demands detailed record keeping. Experts are telling those affected to avoid irrevocable actions, like distributing or selling assets, while the situation remains unresolved.
Some hope that Congress will wind up doing what it did when a similar tax regime was tried in the late 1970s. It was repealed after an uproar, but the estates of those who died while the law was in flux got to choose which system to use.
Such an approach could avoid some ugly family situations. Last December, some wealthy people were kept alive until the estate tax lapsed in January. "But if the tax comes back," says Mr. Aucutt, "Relatives might be tempted to pull the plug."
Source: http://online.wsj.com/article/SB10001424052748703630404575053430667449198.html?mod=WSJ_article_RecentColumns
How can Congress solve this problem? I like the solution proposed in the article: let families choose between estate tax systems.
You better keep your clients up to date on what's happening with the estate tax. Don't wait for the annual review. And don't let one of your competitors tell them about it first. You might lose a client.
On the other hand, you'd be doing your competitors' clients a favor if YOU let them know what's going on. One way would be to put on free public seminars on estate planning. Establish yourself as your city's expert on estate planning. Take a look at my estate seminar system and you could be giving your first seminar in 30 days!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: New Federal Estate Tax: Who it hurts and who it helps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: New Federal Estate Tax: Who it hurts and who it helps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Milton Friedman once said "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt. Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Milton Friedman once said "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt. Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: new-federal-estate-tax-who-it-helps-who-it-hurts
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: new-federal-estate-tax-who-it-helps-who-it-hurts
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 10:48:13
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 18:48:13
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=465
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=465
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 10:18:24
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010 rolls on and Congress has yet to renew the federal estate tax. Normally the elimination of a tax would be wonderful
Why No Estate Tax Could Be a Killer
By Laura Saunders, The Wall Street Journal, 2/13/2010
Congress shocked everyone by letting the estate tax lapse on Jan. 1.
Now, here is the real stunner: For many, the lapse actually will raise taxes.
Under last year's law, estates up to $3.5 million, or $7 million for married couples, were exempt from federal tax. This year that law has been replaced by a fiendishly complex levy raising taxes on the assets of those with little as $1.3 million. It will affect the heirs of at least 50,000 U.S. taxpayers who die this year, whereas the old law affected only about 15,000 estates a year, according to the Tax Policy Center.
"The new system is far worse for many people who have assets between $1.3 million and $3.5 million," says veteran estate lawyer Ronald Aucutt, of McGuire Woods.
This little-understood facet of the current law was enacted as part of a deal brokered in 2001 with the expectation Congress would never let the estate tax actually expire. It isn't clear when, or even if, a badly polarized Congress will take up the estate tax this year.
Legal Challenges
If lawmakers do bring back the estate tax, that would bring another set of problems. Reinstatement of the tax retroactive to Jan. 1, which many advocate, will bring legal challenges from wealthy estates that could take years to resolve. But if some version of the old system isn't reinstated, heirs of smaller estates will suffer.
To see what is at stake, consider how differently this year's and last year's regimes treat the same asset held by two fictional widows: Ms. Bentley has total assets of $20 million, while Ms. Subaru's total is $2 million. Each owns a $110,000 block of the same stock bought for $10,000 years ago. This simplified example uses a block of stock, but its logic applies to all appreciated assets, including houses and land.
Under current law Ms. Bentley and her heirs prosper. If she dies this year and the stock is sold, her heirs will owe only a $15,000 capital-gains tax, whereas last year the same move would have incurred nearly $50,000 in estate tax. By contrast, Ms. Subaru's heirs would have owed nothing last year because the estate was below the $3.5 million exemption. This year they would owe the same $15,000 capital-gains tax Ms. Bentley's heirs do.
The reason: Under the old estate tax, assets could be written up to their full value at the death of the owner, and neither widow had to pay capital-gains tax on the $100,000 increase in the stock last year. But current law fully taxes gains while imposing no tax on estates. Quite simply, the demise of the 45% estate tax helps Ms. Bentley and her heirs more than the 15% tax on appreciation hurts them. For Ms. Subaru, the reverse is true.
Winners and Losers
Beth Shapiro Kaufman, an attorney with Caplin & Drysdale, made estimates showing who is better off under last year's versus this year's system. She found that heirs of estates with assets totaling between $1.3 and $4.3 million would often have been better off last year, while those with bigger estates will do better this year.
Current law does give some relief to heirs of smaller estates. All estates receive at least $1.3 million of exemption from the tax on appreciation. The executor can "cherry-pick" assets after death and assign the exemption to maximize its value.
But the law is full of traps and demands detailed record keeping. Experts are telling those affected to avoid irrevocable actions, like distributing or selling assets, while the situation remains unresolved.
Some hope that Congress will wind up doing what it did when a similar tax regime was tried in the late 1970s. It was repealed after an uproar, but the estates of those who died while the law was in flux got to choose which system to use.
Such an approach could avoid some ugly family situations. Last December, some wealthy people were kept alive until the estate tax lapsed in January. "But if the tax comes back," says Mr. Aucutt, "Relatives might be tempted to pull the plug."
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010 rolls on and Congress has yet to renew the federal estate tax. Normally the elimination of a tax would be wonderful
Why No Estate Tax Could Be a Killer
By Laura Saunders, The Wall Street Journal, 2/13/2010
Congress shocked everyone by letting the estate tax lapse on Jan. 1.
Now, here is the real stunner: For many, the lapse actually will raise taxes.
Under last year's law, estates up to $3.5 million, or $7 million for married couples, were exempt from federal tax. This year that law has been replaced by a fiendishly complex levy raising taxes on the assets of those with little as $1.3 million. It will affect the heirs of at least 50,000 U.S. taxpayers who die this year, whereas the old law affected only about 15,000 estates a year, according to the Tax Policy Center.
"The new system is far worse for many people who have assets between $1.3 million and $3.5 million," says veteran estate lawyer Ronald Aucutt, of McGuire Woods.
This little-understood facet of the current law was enacted as part of a deal brokered in 2001 with the expectation Congress would never let the estate tax actually expire. It isn't clear when, or even if, a badly polarized Congress will take up the estate tax this year.
Legal Challenges
If lawmakers do bring back the estate tax, that would bring another set of problems. Reinstatement of the tax retroactive to Jan. 1, which many advocate, will bring legal challenges from wealthy estates that could take years to resolve. But if some version of the old system isn't reinstated, heirs of smaller estates will suffer.
To see what is at stake, consider how differently this year's and last year's regimes treat the same asset held by two fictional widows: Ms. Bentley has total assets of $20 million, while Ms. Subaru's total is $2 million. Each owns a $110,000 block of the same stock bought for $10,000 years ago. This simplified example uses a block of stock, but its logic applies to all appreciated assets, including houses and land.
Under current law Ms. Bentley and her heirs prosper. If she dies this year and the stock is sold, her heirs will owe only a $15,000 capital-gains tax, whereas last year the same move would have incurred nearly $50,000 in estate tax. By contrast, Ms. Subaru's heirs would have owed nothing last year because the estate was below the $3.5 million exemption. This year they would owe the same $15,000 capital-gains tax Ms. Bentley's heirs do.
The reason: Under the old estate tax, assets could be written up to their full value at the death of the owner, and neither widow had to pay capital-gains tax on the $100,000 increase in the stock last year. But current law fully taxes gains while imposing no tax on estates. Quite simply, the demise of the 45% estate tax helps Ms. Bentley and her heirs more than the 15% tax on appreciation hurts them. For Ms. Subaru, the reverse is true.
Winners and Losers
Beth Shapiro Kaufman, an attorney with Caplin & Drysdale, made estimates showing who is better off under last year's versus this year's system. She found that heirs of estates with assets totaling between $1.3 and $4.3 million would often have been better off last year, while those with bigger estates will do better this year.
Current law does give some relief to heirs of smaller estates. All estates receive at least $1.3 million of exemption from the tax on appreciation. The executor can "cherry-pick" assets after death and assign the exemption to maximize its value.
But the law is full of traps and demands detailed record keeping. Experts are telling those affected to avoid irrevocable actions, like distributing or selling assets, while the situation remains unresolved.
Some hope that Congress will wind up doing what it did when a similar tax regime was tried in the late 1970s. It was repealed after an uproar, but the estates of those who died while the law was in flux got to choose which system to use.
Such an approach could avoid some ugly family situations. Last December, some wealthy people were kept alive until the estate tax lapsed in January. "But if the tax comes back," says Mr. Aucutt, "Relatives might be tempted to pull the plug."
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: New Federal Estate Tax: Who it hurts and who it helps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: New Federal Estate Tax: Who it hurts and who it helps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 465-revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 10:18:24
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 18:18:24
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 465
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/465-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/465-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 10:35:47
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 10:35:47
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 18:35:47
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 18:35:47
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Let's remember what Milton Friedman said about tax cuts, "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt.
Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
Why No Estate Tax Could Be a Killer
By Laura Saunders, The Wall Street Journal, 2/13/2010
Congress shocked everyone by letting the estate tax lapse on Jan. 1.
Now, here is the real stunner: For many, the lapse actually will raise taxes.
Under last year's law, estates up to $3.5 million, or $7 million for married couples, were exempt from federal tax. This year that law has been replaced by a fiendishly complex levy raising taxes on the assets of those with little as $1.3 million. It will affect the heirs of at least 50,000 U.S. taxpayers who die this year, whereas the old law affected only about 15,000 estates a year, according to the Tax Policy Center.
"The new system is far worse for many people who have assets between $1.3 million and $3.5 million," says veteran estate lawyer Ronald Aucutt, of McGuire Woods.
This little-understood facet of the current law was enacted as part of a deal brokered in 2001 with the expectation Congress would never let the estate tax actually expire. It isn't clear when, or even if, a badly polarized Congress will take up the estate tax this year.
Legal Challenges
If lawmakers do bring back the estate tax, that would bring another set of problems. Reinstatement of the tax retroactive to Jan. 1, which many advocate, will bring legal challenges from wealthy estates that could take years to resolve. But if some version of the old system isn't reinstated, heirs of smaller estates will suffer.
To see what is at stake, consider how differently this year's and last year's regimes treat the same asset held by two fictional widows: Ms. Bentley has total assets of $20 million, while Ms. Subaru's total is $2 million. Each owns a $110,000 block of the same stock bought for $10,000 years ago. This simplified example uses a block of stock, but its logic applies to all appreciated assets, including houses and land.
Under current law Ms. Bentley and her heirs prosper. If she dies this year and the stock is sold, her heirs will owe only a $15,000 capital-gains tax, whereas last year the same move would have incurred nearly $50,000 in estate tax. By contrast, Ms. Subaru's heirs would have owed nothing last year because the estate was below the $3.5 million exemption. This year they would owe the same $15,000 capital-gains tax Ms. Bentley's heirs do.
The reason: Under the old estate tax, assets could be written up to their full value at the death of the owner, and neither widow had to pay capital-gains tax on the $100,000 increase in the stock last year. But current law fully taxes gains while imposing no tax on estates. Quite simply, the demise of the 45% estate tax helps Ms. Bentley and her heirs more than the 15% tax on appreciation hurts them. For Ms. Subaru, the reverse is true.
Winners and Losers
Beth Shapiro Kaufman, an attorney with Caplin & Drysdale, made estimates showing who is better off under last year's versus this year's system. She found that heirs of estates with assets totaling between $1.3 and $4.3 million would often have been better off last year, while those with bigger estates will do better this year.
Current law does give some relief to heirs of smaller estates. All estates receive at least $1.3 million of exemption from the tax on appreciation. The executor can "cherry-pick" assets after death and assign the exemption to maximize its value.
But the law is full of traps and demands detailed record keeping. Experts are telling those affected to avoid irrevocable actions, like distributing or selling assets, while the situation remains unresolved.
Some hope that Congress will wind up doing what it did when a similar tax regime was tried in the late 1970s. It was repealed after an uproar, but the estates of those who died while the law was in flux got to choose which system to use.
Such an approach could avoid some ugly family situations. Last December, some wealthy people were kept alive until the estate tax lapsed in January. "But if the tax comes back," says Mr. Aucutt, "Relatives might be tempted to pull the plug."
How can Congress solve this problem? I like the solution proposed in the article: let families choose between systemsOne way would be to pass an estate tax law retroactive to January 1. This would impact trustees, executors and anyone involved in the estate planning process. A better approach would be pass a law and allow impacted
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Let's remember what Milton Friedman said about tax cuts, "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt.
Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
Why No Estate Tax Could Be a Killer
By Laura Saunders, The Wall Street Journal, 2/13/2010
Congress shocked everyone by letting the estate tax lapse on Jan. 1.
Now, here is the real stunner: For many, the lapse actually will raise taxes.
Under last year's law, estates up to $3.5 million, or $7 million for married couples, were exempt from federal tax. This year that law has been replaced by a fiendishly complex levy raising taxes on the assets of those with little as $1.3 million. It will affect the heirs of at least 50,000 U.S. taxpayers who die this year, whereas the old law affected only about 15,000 estates a year, according to the Tax Policy Center.
"The new system is far worse for many people who have assets between $1.3 million and $3.5 million," says veteran estate lawyer Ronald Aucutt, of McGuire Woods.
This little-understood facet of the current law was enacted as part of a deal brokered in 2001 with the expectation Congress would never let the estate tax actually expire. It isn't clear when, or even if, a badly polarized Congress will take up the estate tax this year.
Legal Challenges
If lawmakers do bring back the estate tax, that would bring another set of problems. Reinstatement of the tax retroactive to Jan. 1, which many advocate, will bring legal challenges from wealthy estates that could take years to resolve. But if some version of the old system isn't reinstated, heirs of smaller estates will suffer.
To see what is at stake, consider how differently this year's and last year's regimes treat the same asset held by two fictional widows: Ms. Bentley has total assets of $20 million, while Ms. Subaru's total is $2 million. Each owns a $110,000 block of the same stock bought for $10,000 years ago. This simplified example uses a block of stock, but its logic applies to all appreciated assets, including houses and land.
Under current law Ms. Bentley and her heirs prosper. If she dies this year and the stock is sold, her heirs will owe only a $15,000 capital-gains tax, whereas last year the same move would have incurred nearly $50,000 in estate tax. By contrast, Ms. Subaru's heirs would have owed nothing last year because the estate was below the $3.5 million exemption. This year they would owe the same $15,000 capital-gains tax Ms. Bentley's heirs do.
The reason: Under the old estate tax, assets could be written up to their full value at the death of the owner, and neither widow had to pay capital-gains tax on the $100,000 increase in the stock last year. But current law fully taxes gains while imposing no tax on estates. Quite simply, the demise of the 45% estate tax helps Ms. Bentley and her heirs more than the 15% tax on appreciation hurts them. For Ms. Subaru, the reverse is true.
Winners and Losers
Beth Shapiro Kaufman, an attorney with Caplin & Drysdale, made estimates showing who is better off under last year's versus this year's system. She found that heirs of estates with assets totaling between $1.3 and $4.3 million would often have been better off last year, while those with bigger estates will do better this year.
Current law does give some relief to heirs of smaller estates. All estates receive at least $1.3 million of exemption from the tax on appreciation. The executor can "cherry-pick" assets after death and assign the exemption to maximize its value.
But the law is full of traps and demands detailed record keeping. Experts are telling those affected to avoid irrevocable actions, like distributing or selling assets, while the situation remains unresolved.
Some hope that Congress will wind up doing what it did when a similar tax regime was tried in the late 1970s. It was repealed after an uproar, but the estates of those who died while the law was in flux got to choose which system to use.
Such an approach could avoid some ugly family situations. Last December, some wealthy people were kept alive until the estate tax lapsed in January. "But if the tax comes back," says Mr. Aucutt, "Relatives might be tempted to pull the plug."
How can Congress solve this problem? I like the solution proposed in the article: let families choose between systemsOne way would be to pass an estate tax law retroactive to January 1. This would impact trustees, executors and anyone involved in the estate planning process. A better approach would be pass a law and allow impacted
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: New Federal Estate Tax: Who it hurts and who it helps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: New Federal Estate Tax: Who it hurts and who it helps
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 465
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/465-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/465-revision-2/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Let's remember what Milton Friedman said about tax cuts, "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt.
Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
Why No Estate Tax Could Be a Killer
By Laura Saunders, The Wall Street Journal, 2/13/2010
Congress shocked everyone by letting the estate tax lapse on Jan. 1.
Now, here is the real stunner: For many, the lapse actually will raise taxes.
Under last year's law, estates up to $3.5 million, or $7 million for married couples, were exempt from federal tax. This year that law has been replaced by a fiendishly complex levy raising taxes on the assets of those with little as $1.3 million. It will affect the heirs of at least 50,000 U.S. taxpayers who die this year, whereas the old law affected only about 15,000 estates a year, according to the Tax Policy Center.
"The new system is far worse for many people who have assets between $1.3 million and $3.5 million," says veteran estate lawyer Ronald Aucutt, of McGuire Woods.
This little-understood facet of the current law was enacted as part of a deal brokered in 2001 with the expectation Congress would never let the estate tax actually expire. It isn't clear when, or even if, a badly polarized Congress will take up the estate tax this year.
Legal Challenges
If lawmakers do bring back the estate tax, that would bring another set of problems. Reinstatement of the tax retroactive to Jan. 1, which many advocate, will bring legal challenges from wealthy estates that could take years to resolve. But if some version of the old system isn't reinstated, heirs of smaller estates will suffer.
To see what is at stake, consider how differently this year's and last year's regimes treat the same asset held by two fictional widows: Ms. Bentley has total assets of $20 million, while Ms. Subaru's total is $2 million. Each owns a $110,000 block of the same stock bought for $10,000 years ago. This simplified example uses a block of stock, but its logic applies to all appreciated assets, including houses and land.
Under current law Ms. Bentley and her heirs prosper. If she dies this year and the stock is sold, her heirs will owe only a $15,000 capital-gains tax, whereas last year the same move would have incurred nearly $50,000 in estate tax. By contrast, Ms. Subaru's heirs would have owed nothing last year because the estate was below the $3.5 million exemption. This year they would owe the same $15,000 capital-gains tax Ms. Bentley's heirs do.
The reason: Under the old estate tax, assets could be written up to their full value at the death of the owner, and neither widow had to pay capital-gains tax on the $100,000 increase in the stock last year. But current law fully taxes gains while imposing no tax on estates. Quite simply, the demise of the 45% estate tax helps Ms. Bentley and her heirs more than the 15% tax on appreciation hurts them. For Ms. Subaru, the reverse is true.
Winners and Losers
Beth Shapiro Kaufman, an attorney with Caplin & Drysdale, made estimates showing who is better off under last year's versus this year's system. She found that heirs of estates with assets totaling between $1.3 and $4.3 million would often have been better off last year, while those with bigger estates will do better this year.
Current law does give some relief to heirs of smaller estates. All estates receive at least $1.3 million of exemption from the tax on appreciation. The executor can "cherry-pick" assets after death and assign the exemption to maximize its value.
But the law is full of traps and demands detailed record keeping. Experts are telling those affected to avoid irrevocable actions, like distributing or selling assets, while the situation remains unresolved.
Some hope that Congress will wind up doing what it did when a similar tax regime was tried in the late 1970s. It was repealed after an uproar, but the estates of those who died while the law was in flux got to choose which system to use.
Such an approach could avoid some ugly family situations. Last December, some wealthy people were kept alive until the estate tax lapsed in January. "But if the tax comes back," says Mr. Aucutt, "Relatives might be tempted to pull the plug."
How can Congress solve this problem? I like the solution proposed in the article: let families choose between estate tax systems.
You better keep your clients up to date on what's happening with the estate tax. Don't wait for the annual review. And don't let one of your competitors tell them about it first. You might lose a client.
On the other hand, you'd be doing your competitors' clients a favor if YOU let them know what's going on. One way would be to put on free public seminars on estate planning. Establish yourself as your city's expert on estate planning.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Let's remember what Milton Friedman said about tax cuts, "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt.
Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
Why No Estate Tax Could Be a Killer
By Laura Saunders, The Wall Street Journal, 2/13/2010
Congress shocked everyone by letting the estate tax lapse on Jan. 1.
Now, here is the real stunner: For many, the lapse actually will raise taxes.
Under last year's law, estates up to $3.5 million, or $7 million for married couples, were exempt from federal tax. This year that law has been replaced by a fiendishly complex levy raising taxes on the assets of those with little as $1.3 million. It will affect the heirs of at least 50,000 U.S. taxpayers who die this year, whereas the old law affected only about 15,000 estates a year, according to the Tax Policy Center.
"The new system is far worse for many people who have assets between $1.3 million and $3.5 million," says veteran estate lawyer Ronald Aucutt, of McGuire Woods.
This little-understood facet of the current law was enacted as part of a deal brokered in 2001 with the expectation Congress would never let the estate tax actually expire. It isn't clear when, or even if, a badly polarized Congress will take up the estate tax this year.
Legal Challenges
If lawmakers do bring back the estate tax, that would bring another set of problems. Reinstatement of the tax retroactive to Jan. 1, which many advocate, will bring legal challenges from wealthy estates that could take years to resolve. But if some version of the old system isn't reinstated, heirs of smaller estates will suffer.
To see what is at stake, consider how differently this year's and last year's regimes treat the same asset held by two fictional widows: Ms. Bentley has total assets of $20 million, while Ms. Subaru's total is $2 million. Each owns a $110,000 block of the same stock bought for $10,000 years ago. This simplified example uses a block of stock, but its logic applies to all appreciated assets, including houses and land.
Under current law Ms. Bentley and her heirs prosper. If she dies this year and the stock is sold, her heirs will owe only a $15,000 capital-gains tax, whereas last year the same move would have incurred nearly $50,000 in estate tax. By contrast, Ms. Subaru's heirs would have owed nothing last year because the estate was below the $3.5 million exemption. This year they would owe the same $15,000 capital-gains tax Ms. Bentley's heirs do.
The reason: Under the old estate tax, assets could be written up to their full value at the death of the owner, and neither widow had to pay capital-gains tax on the $100,000 increase in the stock last year. But current law fully taxes gains while imposing no tax on estates. Quite simply, the demise of the 45% estate tax helps Ms. Bentley and her heirs more than the 15% tax on appreciation hurts them. For Ms. Subaru, the reverse is true.
Winners and Losers
Beth Shapiro Kaufman, an attorney with Caplin & Drysdale, made estimates showing who is better off under last year's versus this year's system. She found that heirs of estates with assets totaling between $1.3 and $4.3 million would often have been better off last year, while those with bigger estates will do better this year.
Current law does give some relief to heirs of smaller estates. All estates receive at least $1.3 million of exemption from the tax on appreciation. The executor can "cherry-pick" assets after death and assign the exemption to maximize its value.
But the law is full of traps and demands detailed record keeping. Experts are telling those affected to avoid irrevocable actions, like distributing or selling assets, while the situation remains unresolved.
Some hope that Congress will wind up doing what it did when a similar tax regime was tried in the late 1970s. It was repealed after an uproar, but the estates of those who died while the law was in flux got to choose which system to use.
Such an approach could avoid some ugly family situations. Last December, some wealthy people were kept alive until the estate tax lapsed in January. "But if the tax comes back," says Mr. Aucutt, "Relatives might be tempted to pull the plug."
How can Congress solve this problem? I like the solution proposed in the article: let families choose between estate tax systems.
You better keep your clients up to date on what's happening with the estate tax. Don't wait for the annual review. And don't let one of your competitors tell them about it first. You might lose a client.
On the other hand, you'd be doing your competitors' clients a favor if YOU let them know what's going on. One way would be to put on free public seminars on estate planning. Establish yourself as your city's expert on estate planning.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: New Federal Estate Tax: Who it hurts and who it helps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: New Federal Estate Tax: Who it hurts and who it helps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 465-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 465-revision-3
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 10:41:36
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 10:41:36
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 18:41:36
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 18:41:36
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 465
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 465
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/465-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/465-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 18:42:36
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 18:42:36
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Let's remember what Milton Friedman said about tax cuts, "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt.
Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
Why No Estate Tax Could Be a Killer
By Laura Saunders, The Wall Street Journal, 2/13/2010
Congress shocked everyone by letting the estate tax lapse on Jan. 1.
Now, here is the real stunner: For many, the lapse actually will raise taxes.
Under last year's law, estates up to $3.5 million, or $7 million for married couples, were exempt from federal tax. This year that law has been replaced by a fiendishly complex levy raising taxes on the assets of those with little as $1.3 million. It will affect the heirs of at least 50,000 U.S. taxpayers who die this year, whereas the old law affected only about 15,000 estates a year, according to the Tax Policy Center.
"The new system is far worse for many people who have assets between $1.3 million and $3.5 million," says veteran estate lawyer Ronald Aucutt, of McGuire Woods.
This little-understood facet of the current law was enacted as part of a deal brokered in 2001 with the expectation Congress would never let the estate tax actually expire. It isn't clear when, or even if, a badly polarized Congress will take up the estate tax this year.
Legal Challenges
If lawmakers do bring back the estate tax, that would bring another set of problems. Reinstatement of the tax retroactive to Jan. 1, which many advocate, will bring legal challenges from wealthy estates that could take years to resolve. But if some version of the old system isn't reinstated, heirs of smaller estates will suffer.
To see what is at stake, consider how differently this year's and last year's regimes treat the same asset held by two fictional widows: Ms. Bentley has total assets of $20 million, while Ms. Subaru's total is $2 million. Each owns a $110,000 block of the same stock bought for $10,000 years ago. This simplified example uses a block of stock, but its logic applies to all appreciated assets, including houses and land.
Under current law Ms. Bentley and her heirs prosper. If she dies this year and the stock is sold, her heirs will owe only a $15,000 capital-gains tax, whereas last year the same move would have incurred nearly $50,000 in estate tax. By contrast, Ms. Subaru's heirs would have owed nothing last year because the estate was below the $3.5 million exemption. This year they would owe the same $15,000 capital-gains tax Ms. Bentley's heirs do.
The reason: Under the old estate tax, assets could be written up to their full value at the death of the owner, and neither widow had to pay capital-gains tax on the $100,000 increase in the stock last year. But current law fully taxes gains while imposing no tax on estates. Quite simply, the demise of the 45% estate tax helps Ms. Bentley and her heirs more than the 15% tax on appreciation hurts them. For Ms. Subaru, the reverse is true.
Winners and Losers
Beth Shapiro Kaufman, an attorney with Caplin & Drysdale, made estimates showing who is better off under last year's versus this year's system. She found that heirs of estates with assets totaling between $1.3 and $4.3 million would often have been better off last year, while those with bigger estates will do better this year.
Current law does give some relief to heirs of smaller estates. All estates receive at least $1.3 million of exemption from the tax on appreciation. The executor can "cherry-pick" assets after death and assign the exemption to maximize its value.
But the law is full of traps and demands detailed record keeping. Experts are telling those affected to avoid irrevocable actions, like distributing or selling assets, while the situation remains unresolved.
Some hope that Congress will wind up doing what it did when a similar tax regime was tried in the late 1970s. It was repealed after an uproar, but the estates of those who died while the law was in flux got to choose which system to use.
Such an approach could avoid some ugly family situations. Last December, some wealthy people were kept alive until the estate tax lapsed in January. "But if the tax comes back," says Mr. Aucutt, "Relatives might be tempted to pull the plug."
How can Congress solve this problem? I like the solution proposed in the article: let families choose between estate tax systems.
You better keep your clients up to date on what's happening with the estate tax. Don't wait for the annual review. And don't let one of your competitors tell them about it first. You might lose a client.
On the other hand, you'd be doing your competitors' clients a favor if YOU let them know what's going on. One way would be to put on free public seminars on estate planning. Establish yourself as your city's expert on estate planning. Take a look at my estate seminar system and you could be giving your first seminar in 30 days!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Let's remember what Milton Friedman said about tax cuts, "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt.
Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
Why No Estate Tax Could Be a Killer
By Laura Saunders, The Wall Street Journal, 2/13/2010
Congress shocked everyone by letting the estate tax lapse on Jan. 1.
Now, here is the real stunner: For many, the lapse actually will raise taxes.
Under last year's law, estates up to $3.5 million, or $7 million for married couples, were exempt from federal tax. This year that law has been replaced by a fiendishly complex levy raising taxes on the assets of those with little as $1.3 million. It will affect the heirs of at least 50,000 U.S. taxpayers who die this year, whereas the old law affected only about 15,000 estates a year, according to the Tax Policy Center.
"The new system is far worse for many people who have assets between $1.3 million and $3.5 million," says veteran estate lawyer Ronald Aucutt, of McGuire Woods.
This little-understood facet of the current law was enacted as part of a deal brokered in 2001 with the expectation Congress would never let the estate tax actually expire. It isn't clear when, or even if, a badly polarized Congress will take up the estate tax this year.
Legal Challenges
If lawmakers do bring back the estate tax, that would bring another set of problems. Reinstatement of the tax retroactive to Jan. 1, which many advocate, will bring legal challenges from wealthy estates that could take years to resolve. But if some version of the old system isn't reinstated, heirs of smaller estates will suffer.
To see what is at stake, consider how differently this year's and last year's regimes treat the same asset held by two fictional widows: Ms. Bentley has total assets of $20 million, while Ms. Subaru's total is $2 million. Each owns a $110,000 block of the same stock bought for $10,000 years ago. This simplified example uses a block of stock, but its logic applies to all appreciated assets, including houses and land.
Under current law Ms. Bentley and her heirs prosper. If she dies this year and the stock is sold, her heirs will owe only a $15,000 capital-gains tax, whereas last year the same move would have incurred nearly $50,000 in estate tax. By contrast, Ms. Subaru's heirs would have owed nothing last year because the estate was below the $3.5 million exemption. This year they would owe the same $15,000 capital-gains tax Ms. Bentley's heirs do.
The reason: Under the old estate tax, assets could be written up to their full value at the death of the owner, and neither widow had to pay capital-gains tax on the $100,000 increase in the stock last year. But current law fully taxes gains while imposing no tax on estates. Quite simply, the demise of the 45% estate tax helps Ms. Bentley and her heirs more than the 15% tax on appreciation hurts them. For Ms. Subaru, the reverse is true.
Winners and Losers
Beth Shapiro Kaufman, an attorney with Caplin & Drysdale, made estimates showing who is better off under last year's versus this year's system. She found that heirs of estates with assets totaling between $1.3 and $4.3 million would often have been better off last year, while those with bigger estates will do better this year.
Current law does give some relief to heirs of smaller estates. All estates receive at least $1.3 million of exemption from the tax on appreciation. The executor can "cherry-pick" assets after death and assign the exemption to maximize its value.
But the law is full of traps and demands detailed record keeping. Experts are telling those affected to avoid irrevocable actions, like distributing or selling assets, while the situation remains unresolved.
Some hope that Congress will wind up doing what it did when a similar tax regime was tried in the late 1970s. It was repealed after an uproar, but the estates of those who died while the law was in flux got to choose which system to use.
Such an approach could avoid some ugly family situations. Last December, some wealthy people were kept alive until the estate tax lapsed in January. "But if the tax comes back," says Mr. Aucutt, "Relatives might be tempted to pull the plug."
How can Congress solve this problem? I like the solution proposed in the article: let families choose between estate tax systems.
You better keep your clients up to date on what's happening with the estate tax. Don't wait for the annual review. And don't let one of your competitors tell them about it first. You might lose a client.
On the other hand, you'd be doing your competitors' clients a favor if YOU let them know what's going on. One way would be to put on free public seminars on estate planning. Establish yourself as your city's expert on estate planning. Take a look at my estate seminar system and you could be giving your first seminar in 30 days!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: New Federal Estate Tax: Who it hurts and who it helps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: New Federal Estate Tax: Who it hurts and who it helps
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 10:42:36
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 18:42:36
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 465
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 465
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/465-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/465-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 470
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 10:46:56
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 18:46:56
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 18:46:56
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Let's remember what Milton Friedman said about tax cuts, "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt.
Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
Why No Estate Tax Could Be a Killer
By Laura Saunders, The Wall Street Journal, 2/13/2010
Congress shocked everyone by letting the estate tax lapse on Jan. 1.
Now, here is the real stunner: For many, the lapse actually will raise taxes.
Under last year's law, estates up to $3.5 million, or $7 million for married couples, were exempt from federal tax. This year that law has been replaced by a fiendishly complex levy raising taxes on the assets of those with little as $1.3 million. It will affect the heirs of at least 50,000 U.S. taxpayers who die this year, whereas the old law affected only about 15,000 estates a year, according to the Tax Policy Center.
"The new system is far worse for many people who have assets between $1.3 million and $3.5 million," says veteran estate lawyer Ronald Aucutt, of McGuire Woods.
This little-understood facet of the current law was enacted as part of a deal brokered in 2001 with the expectation Congress would never let the estate tax actually expire. It isn't clear when, or even if, a badly polarized Congress will take up the estate tax this year.
Legal Challenges
If lawmakers do bring back the estate tax, that would bring another set of problems. Reinstatement of the tax retroactive to Jan. 1, which many advocate, will bring legal challenges from wealthy estates that could take years to resolve. But if some version of the old system isn't reinstated, heirs of smaller estates will suffer.
To see what is at stake, consider how differently this year's and last year's regimes treat the same asset held by two fictional widows: Ms. Bentley has total assets of $20 million, while Ms. Subaru's total is $2 million. Each owns a $110,000 block of the same stock bought for $10,000 years ago. This simplified example uses a block of stock, but its logic applies to all appreciated assets, including houses and land.
Under current law Ms. Bentley and her heirs prosper. If she dies this year and the stock is sold, her heirs will owe only a $15,000 capital-gains tax, whereas last year the same move would have incurred nearly $50,000 in estate tax. By contrast, Ms. Subaru's heirs would have owed nothing last year because the estate was below the $3.5 million exemption. This year they would owe the same $15,000 capital-gains tax Ms. Bentley's heirs do.
The reason: Under the old estate tax, assets could be written up to their full value at the death of the owner, and neither widow had to pay capital-gains tax on the $100,000 increase in the stock last year. But current law fully taxes gains while imposing no tax on estates. Quite simply, the demise of the 45% estate tax helps Ms. Bentley and her heirs more than the 15% tax on appreciation hurts them. For Ms. Subaru, the reverse is true.
Winners and Losers
Beth Shapiro Kaufman, an attorney with Caplin & Drysdale, made estimates showing who is better off under last year's versus this year's system. She found that heirs of estates with assets totaling between $1.3 and $4.3 million would often have been better off last year, while those with bigger estates will do better this year.
Current law does give some relief to heirs of smaller estates. All estates receive at least $1.3 million of exemption from the tax on appreciation. The executor can "cherry-pick" assets after death and assign the exemption to maximize its value.
But the law is full of traps and demands detailed record keeping. Experts are telling those affected to avoid irrevocable actions, like distributing or selling assets, while the situation remains unresolved.
Some hope that Congress will wind up doing what it did when a similar tax regime was tried in the late 1970s. It was repealed after an uproar, but the estates of those who died while the law was in flux got to choose which system to use.
Such an approach could avoid some ugly family situations. Last December, some wealthy people were kept alive until the estate tax lapsed in January. "But if the tax comes back," says Mr. Aucutt, "Relatives might be tempted to pull the plug."
Source: http://online.wsj.com/article/SB10001424052748703630404575053430667449198.html?mod=WSJ_article_RecentColumns
How can Congress solve this problem? I like the solution proposed in the article: let families choose between estate tax systems.
You better keep your clients up to date on what's happening with the estate tax. Don't wait for the annual review. And don't let one of your competitors tell them about it first. You might lose a client.
On the other hand, you'd be doing your competitors' clients a favor if YOU let them know what's going on. One way would be to put on free public seminars on estate planning. Establish yourself as your city's expert on estate planning. Take a look at my estate seminar system and you could be giving your first seminar in 30 days!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Let's remember what Milton Friedman said about tax cuts, "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt.
Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
Why No Estate Tax Could Be a Killer
By Laura Saunders, The Wall Street Journal, 2/13/2010
Congress shocked everyone by letting the estate tax lapse on Jan. 1.
Now, here is the real stunner: For many, the lapse actually will raise taxes.
Under last year's law, estates up to $3.5 million, or $7 million for married couples, were exempt from federal tax. This year that law has been replaced by a fiendishly complex levy raising taxes on the assets of those with little as $1.3 million. It will affect the heirs of at least 50,000 U.S. taxpayers who die this year, whereas the old law affected only about 15,000 estates a year, according to the Tax Policy Center.
"The new system is far worse for many people who have assets between $1.3 million and $3.5 million," says veteran estate lawyer Ronald Aucutt, of McGuire Woods.
This little-understood facet of the current law was enacted as part of a deal brokered in 2001 with the expectation Congress would never let the estate tax actually expire. It isn't clear when, or even if, a badly polarized Congress will take up the estate tax this year.
Legal Challenges
If lawmakers do bring back the estate tax, that would bring another set of problems. Reinstatement of the tax retroactive to Jan. 1, which many advocate, will bring legal challenges from wealthy estates that could take years to resolve. But if some version of the old system isn't reinstated, heirs of smaller estates will suffer.
To see what is at stake, consider how differently this year's and last year's regimes treat the same asset held by two fictional widows: Ms. Bentley has total assets of $20 million, while Ms. Subaru's total is $2 million. Each owns a $110,000 block of the same stock bought for $10,000 years ago. This simplified example uses a block of stock, but its logic applies to all appreciated assets, including houses and land.
Under current law Ms. Bentley and her heirs prosper. If she dies this year and the stock is sold, her heirs will owe only a $15,000 capital-gains tax, whereas last year the same move would have incurred nearly $50,000 in estate tax. By contrast, Ms. Subaru's heirs would have owed nothing last year because the estate was below the $3.5 million exemption. This year they would owe the same $15,000 capital-gains tax Ms. Bentley's heirs do.
The reason: Under the old estate tax, assets could be written up to their full value at the death of the owner, and neither widow had to pay capital-gains tax on the $100,000 increase in the stock last year. But current law fully taxes gains while imposing no tax on estates. Quite simply, the demise of the 45% estate tax helps Ms. Bentley and her heirs more than the 15% tax on appreciation hurts them. For Ms. Subaru, the reverse is true.
Winners and Losers
Beth Shapiro Kaufman, an attorney with Caplin & Drysdale, made estimates showing who is better off under last year's versus this year's system. She found that heirs of estates with assets totaling between $1.3 and $4.3 million would often have been better off last year, while those with bigger estates will do better this year.
Current law does give some relief to heirs of smaller estates. All estates receive at least $1.3 million of exemption from the tax on appreciation. The executor can "cherry-pick" assets after death and assign the exemption to maximize its value.
But the law is full of traps and demands detailed record keeping. Experts are telling those affected to avoid irrevocable actions, like distributing or selling assets, while the situation remains unresolved.
Some hope that Congress will wind up doing what it did when a similar tax regime was tried in the late 1970s. It was repealed after an uproar, but the estates of those who died while the law was in flux got to choose which system to use.
Such an approach could avoid some ugly family situations. Last December, some wealthy people were kept alive until the estate tax lapsed in January. "But if the tax comes back," says Mr. Aucutt, "Relatives might be tempted to pull the plug."
Source: http://online.wsj.com/article/SB10001424052748703630404575053430667449198.html?mod=WSJ_article_RecentColumns
How can Congress solve this problem? I like the solution proposed in the article: let families choose between estate tax systems.
You better keep your clients up to date on what's happening with the estate tax. Don't wait for the annual review. And don't let one of your competitors tell them about it first. You might lose a client.
On the other hand, you'd be doing your competitors' clients a favor if YOU let them know what's going on. One way would be to put on free public seminars on estate planning. Establish yourself as your city's expert on estate planning. Take a look at my estate seminar system and you could be giving your first seminar in 30 days!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: New Federal Estate Tax: Who it hurts and who it helps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: New Federal Estate Tax: Who it hurts and who it helps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Milton Friedman once said "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt. Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Milton Friedman once said "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt. Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 465-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 465-revision-5
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 10:46:56
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 10:46:56
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 18:46:56
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 18:46:56
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 465
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 465
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/465-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/465-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 10:48:00
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 10:48:00
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-17 18:48:00
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-17 18:48:00
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Let's remember what Milton Friedman said about tax cuts, "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt.
Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
Why No Estate Tax Could Be a Killer
By Laura Saunders, The Wall Street Journal, 2/13/2010
Congress shocked everyone by letting the estate tax lapse on Jan. 1.
Now, here is the real stunner: For many, the lapse actually will raise taxes.
Under last year's law, estates up to $3.5 million, or $7 million for married couples, were exempt from federal tax. This year that law has been replaced by a fiendishly complex levy raising taxes on the assets of those with little as $1.3 million. It will affect the heirs of at least 50,000 U.S. taxpayers who die this year, whereas the old law affected only about 15,000 estates a year, according to the Tax Policy Center.
"The new system is far worse for many people who have assets between $1.3 million and $3.5 million," says veteran estate lawyer Ronald Aucutt, of McGuire Woods.
This little-understood facet of the current law was enacted as part of a deal brokered in 2001 with the expectation Congress would never let the estate tax actually expire. It isn't clear when, or even if, a badly polarized Congress will take up the estate tax this year.
Legal Challenges
If lawmakers do bring back the estate tax, that would bring another set of problems. Reinstatement of the tax retroactive to Jan. 1, which many advocate, will bring legal challenges from wealthy estates that could take years to resolve. But if some version of the old system isn't reinstated, heirs of smaller estates will suffer.
To see what is at stake, consider how differently this year's and last year's regimes treat the same asset held by two fictional widows: Ms. Bentley has total assets of $20 million, while Ms. Subaru's total is $2 million. Each owns a $110,000 block of the same stock bought for $10,000 years ago. This simplified example uses a block of stock, but its logic applies to all appreciated assets, including houses and land.
Under current law Ms. Bentley and her heirs prosper. If she dies this year and the stock is sold, her heirs will owe only a $15,000 capital-gains tax, whereas last year the same move would have incurred nearly $50,000 in estate tax. By contrast, Ms. Subaru's heirs would have owed nothing last year because the estate was below the $3.5 million exemption. This year they would owe the same $15,000 capital-gains tax Ms. Bentley's heirs do.
The reason: Under the old estate tax, assets could be written up to their full value at the death of the owner, and neither widow had to pay capital-gains tax on the $100,000 increase in the stock last year. But current law fully taxes gains while imposing no tax on estates. Quite simply, the demise of the 45% estate tax helps Ms. Bentley and her heirs more than the 15% tax on appreciation hurts them. For Ms. Subaru, the reverse is true.
Winners and Losers
Beth Shapiro Kaufman, an attorney with Caplin & Drysdale, made estimates showing who is better off under last year's versus this year's system. She found that heirs of estates with assets totaling between $1.3 and $4.3 million would often have been better off last year, while those with bigger estates will do better this year.
Current law does give some relief to heirs of smaller estates. All estates receive at least $1.3 million of exemption from the tax on appreciation. The executor can "cherry-pick" assets after death and assign the exemption to maximize its value.
But the law is full of traps and demands detailed record keeping. Experts are telling those affected to avoid irrevocable actions, like distributing or selling assets, while the situation remains unresolved.
Some hope that Congress will wind up doing what it did when a similar tax regime was tried in the late 1970s. It was repealed after an uproar, but the estates of those who died while the law was in flux got to choose which system to use.
Such an approach could avoid some ugly family situations. Last December, some wealthy people were kept alive until the estate tax lapsed in January. "But if the tax comes back," says Mr. Aucutt, "Relatives might be tempted to pull the plug."
Source: http://online.wsj.com/article/SB10001424052748703630404575053430667449198.html?mod=WSJ_article_RecentColumns
How can Congress solve this problem? I like the solution proposed in the article: let families choose between estate tax systems.
You better keep your clients up to date on what's happening with the estate tax. Don't wait for the annual review. And don't let one of your competitors tell them about it first. You might lose a client.
On the other hand, you'd be doing your competitors' clients a favor if YOU let them know what's going on. One way would be to put on free public seminars on estate planning. Establish yourself as your city's expert on estate planning. Take a look at my estate seminar system and you could be giving your first seminar in 30 days!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Let's remember what Milton Friedman said about tax cuts, "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt.
Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
Why No Estate Tax Could Be a Killer
By Laura Saunders, The Wall Street Journal, 2/13/2010
Congress shocked everyone by letting the estate tax lapse on Jan. 1.
Now, here is the real stunner: For many, the lapse actually will raise taxes.
Under last year's law, estates up to $3.5 million, or $7 million for married couples, were exempt from federal tax. This year that law has been replaced by a fiendishly complex levy raising taxes on the assets of those with little as $1.3 million. It will affect the heirs of at least 50,000 U.S. taxpayers who die this year, whereas the old law affected only about 15,000 estates a year, according to the Tax Policy Center.
"The new system is far worse for many people who have assets between $1.3 million and $3.5 million," says veteran estate lawyer Ronald Aucutt, of McGuire Woods.
This little-understood facet of the current law was enacted as part of a deal brokered in 2001 with the expectation Congress would never let the estate tax actually expire. It isn't clear when, or even if, a badly polarized Congress will take up the estate tax this year.
Legal Challenges
If lawmakers do bring back the estate tax, that would bring another set of problems. Reinstatement of the tax retroactive to Jan. 1, which many advocate, will bring legal challenges from wealthy estates that could take years to resolve. But if some version of the old system isn't reinstated, heirs of smaller estates will suffer.
To see what is at stake, consider how differently this year's and last year's regimes treat the same asset held by two fictional widows: Ms. Bentley has total assets of $20 million, while Ms. Subaru's total is $2 million. Each owns a $110,000 block of the same stock bought for $10,000 years ago. This simplified example uses a block of stock, but its logic applies to all appreciated assets, including houses and land.
Under current law Ms. Bentley and her heirs prosper. If she dies this year and the stock is sold, her heirs will owe only a $15,000 capital-gains tax, whereas last year the same move would have incurred nearly $50,000 in estate tax. By contrast, Ms. Subaru's heirs would have owed nothing last year because the estate was below the $3.5 million exemption. This year they would owe the same $15,000 capital-gains tax Ms. Bentley's heirs do.
The reason: Under the old estate tax, assets could be written up to their full value at the death of the owner, and neither widow had to pay capital-gains tax on the $100,000 increase in the stock last year. But current law fully taxes gains while imposing no tax on estates. Quite simply, the demise of the 45% estate tax helps Ms. Bentley and her heirs more than the 15% tax on appreciation hurts them. For Ms. Subaru, the reverse is true.
Winners and Losers
Beth Shapiro Kaufman, an attorney with Caplin & Drysdale, made estimates showing who is better off under last year's versus this year's system. She found that heirs of estates with assets totaling between $1.3 and $4.3 million would often have been better off last year, while those with bigger estates will do better this year.
Current law does give some relief to heirs of smaller estates. All estates receive at least $1.3 million of exemption from the tax on appreciation. The executor can "cherry-pick" assets after death and assign the exemption to maximize its value.
But the law is full of traps and demands detailed record keeping. Experts are telling those affected to avoid irrevocable actions, like distributing or selling assets, while the situation remains unresolved.
Some hope that Congress will wind up doing what it did when a similar tax regime was tried in the late 1970s. It was repealed after an uproar, but the estates of those who died while the law was in flux got to choose which system to use.
Such an approach could avoid some ugly family situations. Last December, some wealthy people were kept alive until the estate tax lapsed in January. "But if the tax comes back," says Mr. Aucutt, "Relatives might be tempted to pull the plug."
Source: http://online.wsj.com/article/SB10001424052748703630404575053430667449198.html?mod=WSJ_article_RecentColumns
How can Congress solve this problem? I like the solution proposed in the article: let families choose between estate tax systems.
You better keep your clients up to date on what's happening with the estate tax. Don't wait for the annual review. And don't let one of your competitors tell them about it first. You might lose a client.
On the other hand, you'd be doing your competitors' clients a favor if YOU let them know what's going on. One way would be to put on free public seminars on estate planning. Establish yourself as your city's expert on estate planning. Take a look at my estate seminar system and you could be giving your first seminar in 30 days!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: New Federal Estate Tax: Who it hurts and who it helps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: New Federal Estate Tax: Who it hurts and who it helps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Milton Friedman once said "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt. Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Milton Friedman once said "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt. Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 465-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 465-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/465-revision-6/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Let's remember what Milton Friedman said about tax cuts, "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt.
Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
Why No Estate Tax Could Be a Killer
By Laura Saunders, The Wall Street Journal, 2/13/2010
Congress shocked everyone by letting the estate tax lapse on Jan. 1.
Now, here is the real stunner: For many, the lapse actually will raise taxes.
Under last year's law, estates up to $3.5 million, or $7 million for married couples, were exempt from federal tax. This year that law has been replaced by a fiendishly complex levy raising taxes on the assets of those with little as $1.3 million. It will affect the heirs of at least 50,000 U.S. taxpayers who die this year, whereas the old law affected only about 15,000 estates a year, according to the Tax Policy Center.
"The new system is far worse for many people who have assets between $1.3 million and $3.5 million," says veteran estate lawyer Ronald Aucutt, of McGuire Woods.
This little-understood facet of the current law was enacted as part of a deal brokered in 2001 with the expectation Congress would never let the estate tax actually expire. It isn't clear when, or even if, a badly polarized Congress will take up the estate tax this year.
Legal Challenges
If lawmakers do bring back the estate tax, that would bring another set of problems. Reinstatement of the tax retroactive to Jan. 1, which many advocate, will bring legal challenges from wealthy estates that could take years to resolve. But if some version of the old system isn't reinstated, heirs of smaller estates will suffer.
To see what is at stake, consider how differently this year's and last year's regimes treat the same asset held by two fictional widows: Ms. Bentley has total assets of $20 million, while Ms. Subaru's total is $2 million. Each owns a $110,000 block of the same stock bought for $10,000 years ago. This simplified example uses a block of stock, but its logic applies to all appreciated assets, including houses and land.
Under current law Ms. Bentley and her heirs prosper. If she dies this year and the stock is sold, her heirs will owe only a $15,000 capital-gains tax, whereas last year the same move would have incurred nearly $50,000 in estate tax. By contrast, Ms. Subaru's heirs would have owed nothing last year because the estate was below the $3.5 million exemption. This year they would owe the same $15,000 capital-gains tax Ms. Bentley's heirs do.
The reason: Under the old estate tax, assets could be written up to their full value at the death of the owner, and neither widow had to pay capital-gains tax on the $100,000 increase in the stock last year. But current law fully taxes gains while imposing no tax on estates. Quite simply, the demise of the 45% estate tax helps Ms. Bentley and her heirs more than the 15% tax on appreciation hurts them. For Ms. Subaru, the reverse is true.
Winners and Losers
Beth Shapiro Kaufman, an attorney with Caplin & Drysdale, made estimates showing who is better off under last year's versus this year's system. She found that heirs of estates with assets totaling between $1.3 and $4.3 million would often have been better off last year, while those with bigger estates will do better this year.
Current law does give some relief to heirs of smaller estates. All estates receive at least $1.3 million of exemption from the tax on appreciation. The executor can "cherry-pick" assets after death and assign the exemption to maximize its value.
But the law is full of traps and demands detailed record keeping. Experts are telling those affected to avoid irrevocable actions, like distributing or selling assets, while the situation remains unresolved.
Some hope that Congress will wind up doing what it did when a similar tax regime was tried in the late 1970s. It was repealed after an uproar, but the estates of those who died while the law was in flux got to choose which system to use.
Such an approach could avoid some ugly family situations. Last December, some wealthy people were kept alive until the estate tax lapsed in January. "But if the tax comes back," says Mr. Aucutt, "Relatives might be tempted to pull the plug."
Source: http://online.wsj.com/article/SB10001424052748703630404575053430667449198.html?mod=WSJ_article_RecentColumns
How can Congress solve this problem? I like the solution proposed in the article: let families choose between estate tax systems.
You better keep your clients up to date on what's happening with the estate tax. Don't wait for the annual review. And don't let one of your competitors tell them about it first. You might lose a client.
On the other hand, you'd be doing your competitors' clients a favor if YOU let them know what's going on. One way would be to put on free public seminars on estate planning. Establish yourself as your city's expert on estate planning. Take a look at my estate seminar system and you could be giving your first seminar in 30 days!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Let's remember what Milton Friedman said about tax cuts, "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt.
Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
Why No Estate Tax Could Be a Killer
By Laura Saunders, The Wall Street Journal, 2/13/2010
Congress shocked everyone by letting the estate tax lapse on Jan. 1.
Now, here is the real stunner: For many, the lapse actually will raise taxes.
Under last year's law, estates up to $3.5 million, or $7 million for married couples, were exempt from federal tax. This year that law has been replaced by a fiendishly complex levy raising taxes on the assets of those with little as $1.3 million. It will affect the heirs of at least 50,000 U.S. taxpayers who die this year, whereas the old law affected only about 15,000 estates a year, according to the Tax Policy Center.
"The new system is far worse for many people who have assets between $1.3 million and $3.5 million," says veteran estate lawyer Ronald Aucutt, of McGuire Woods.
This little-understood facet of the current law was enacted as part of a deal brokered in 2001 with the expectation Congress would never let the estate tax actually expire. It isn't clear when, or even if, a badly polarized Congress will take up the estate tax this year.
Legal Challenges
If lawmakers do bring back the estate tax, that would bring another set of problems. Reinstatement of the tax retroactive to Jan. 1, which many advocate, will bring legal challenges from wealthy estates that could take years to resolve. But if some version of the old system isn't reinstated, heirs of smaller estates will suffer.
To see what is at stake, consider how differently this year's and last year's regimes treat the same asset held by two fictional widows: Ms. Bentley has total assets of $20 million, while Ms. Subaru's total is $2 million. Each owns a $110,000 block of the same stock bought for $10,000 years ago. This simplified example uses a block of stock, but its logic applies to all appreciated assets, including houses and land.
Under current law Ms. Bentley and her heirs prosper. If she dies this year and the stock is sold, her heirs will owe only a $15,000 capital-gains tax, whereas last year the same move would have incurred nearly $50,000 in estate tax. By contrast, Ms. Subaru's heirs would have owed nothing last year because the estate was below the $3.5 million exemption. This year they would owe the same $15,000 capital-gains tax Ms. Bentley's heirs do.
The reason: Under the old estate tax, assets could be written up to their full value at the death of the owner, and neither widow had to pay capital-gains tax on the $100,000 increase in the stock last year. But current law fully taxes gains while imposing no tax on estates. Quite simply, the demise of the 45% estate tax helps Ms. Bentley and her heirs more than the 15% tax on appreciation hurts them. For Ms. Subaru, the reverse is true.
Winners and Losers
Beth Shapiro Kaufman, an attorney with Caplin & Drysdale, made estimates showing who is better off under last year's versus this year's system. She found that heirs of estates with assets totaling between $1.3 and $4.3 million would often have been better off last year, while those with bigger estates will do better this year.
Current law does give some relief to heirs of smaller estates. All estates receive at least $1.3 million of exemption from the tax on appreciation. The executor can "cherry-pick" assets after death and assign the exemption to maximize its value.
But the law is full of traps and demands detailed record keeping. Experts are telling those affected to avoid irrevocable actions, like distributing or selling assets, while the situation remains unresolved.
Some hope that Congress will wind up doing what it did when a similar tax regime was tried in the late 1970s. It was repealed after an uproar, but the estates of those who died while the law was in flux got to choose which system to use.
Such an approach could avoid some ugly family situations. Last December, some wealthy people were kept alive until the estate tax lapsed in January. "But if the tax comes back," says Mr. Aucutt, "Relatives might be tempted to pull the plug."
Source: http://online.wsj.com/article/SB10001424052748703630404575053430667449198.html?mod=WSJ_article_RecentColumns
How can Congress solve this problem? I like the solution proposed in the article: let families choose between estate tax systems.
You better keep your clients up to date on what's happening with the estate tax. Don't wait for the annual review. And don't let one of your competitors tell them about it first. You might lose a client.
On the other hand, you'd be doing your competitors' clients a favor if YOU let them know what's going on. One way would be to put on free public seminars on estate planning. Establish yourself as your city's expert on estate planning. Take a look at my estate seminar system and you could be giving your first seminar in 30 days!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: New Federal Estate Tax: Who it hurts and who it helps
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: New Federal Estate Tax: Who it hurts and who it helps
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Milton Friedman once said "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt. Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Milton Friedman once said "I am in favor of cutting taxes under any circumstances and for any excuse, for any reason, whenever it's possible." Is this always true? Not when Congress eliminates the federal estate tax while limiting the step up in basis. Some families will be helped and many others will be hurt. Read this Wall Street Journal article and learn who is hurt by this change. It could be some of your best clients.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/465-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/465-autosave/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Chuck Price, Portland Oregon, The Oregonian
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Chuck Price, Portland Oregon, The Oregonian
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Washington state proposes 'shocking' estate tax changes
The Washington state Legislature has proposed a bill that would double the estate taxes for residents.
Currently, there is a $2 million exemption in that state, with a 10% tax that climbs up to 19% at $9 million and above. Under the proposed law, the range would jump to a 20% estate tax for more than $2 million, up to 38% at the $9 million mark.
If the latest proposal is enacted, 2011 could be a costly year for some Washington residents: Assuming that the federal estate tax, which lapsed at the end of 2009, comes back next year with a $1 million exemption at 55% as scheduled, Washington residents could be paying in excess of 75% in estate taxes, experts said.
“This is shocking and disturbing, and has very significant ramifications for the majority of our clients,” said Tom Gores, a partner in Perkins Coie LLP, a law firm with offices in Seattle and Bellevue, Wash. “We are contacting our state representatives to make sure they understand this.”
Already, a number of wealthy clients are discussing leaving the state due to the high estate taxes, and this number will only increase, said Dean Butler, an attorney at Carney Badley Spellman PS. The bill, HB 3184, was proposed Feb. 13 and has not yet been scheduled for a hearing, said Rick Person, a coordinator for the House Finance Services Committee. The legislative session ends March 11.
Small businesses already are planning to lobby against the bill. “Our greatest concern is that this bill is another threat to small businesses at a time when so many of them are still just holding on,” said Jocelyn McCabe, a spokeswoman for the Association of Washington Business, which represents 6,900 state businesses.
Experts predict that given the number of states with growing deficits, Washington won't be alone in proposing such legislation this year.
For financial advisers, this means that it's more important than ever to pay attention to what's going on locally, said Gail Cohen, head of global wealth management at Fiduciary Trust Company International. “Don't assume that just because there is no federal estate tax, there won't be any estate tax at all,” she said.
Source: http://www.investmentnews.com/apps/pbcs.dll/article?AID=/20100216/FREE/100219915
There are currently 14 states and the District of Columbia which have state estate taxes. You can click here to see a chart of the states and the exemption amounts. Did you know that 7 states have an inheritance tax? Click here for a chart and be glad your state is not listed!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Washington state proposes 'shocking' estate tax changes
The Washington state Legislature has proposed a bill that would double the estate taxes for residents.
Currently, there is a $2 million exemption in that state, with a 10% tax that climbs up to 19% at $9 million and above. Under the proposed law, the range would jump to a 20% estate tax for more than $2 million, up to 38% at the $9 million mark.
If the latest proposal is enacted, 2011 could be a costly year for some Washington residents: Assuming that the federal estate tax, which lapsed at the end of 2009, comes back next year with a $1 million exemption at 55% as scheduled, Washington residents could be paying in excess of 75% in estate taxes, experts said.
“This is shocking and disturbing, and has very significant ramifications for the majority of our clients,” said Tom Gores, a partner in Perkins Coie LLP, a law firm with offices in Seattle and Bellevue, Wash. “We are contacting our state representatives to make sure they understand this.”
Already, a number of wealthy clients are discussing leaving the state due to the high estate taxes, and this number will only increase, said Dean Butler, an attorney at Carney Badley Spellman PS. The bill, HB 3184, was proposed Feb. 13 and has not yet been scheduled for a hearing, said Rick Person, a coordinator for the House Finance Services Committee. The legislative session ends March 11.
Small businesses already are planning to lobby against the bill. “Our greatest concern is that this bill is another threat to small businesses at a time when so many of them are still just holding on,” said Jocelyn McCabe, a spokeswoman for the Association of Washington Business, which represents 6,900 state businesses.
Experts predict that given the number of states with growing deficits, Washington won't be alone in proposing such legislation this year.
For financial advisers, this means that it's more important than ever to pay attention to what's going on locally, said Gail Cohen, head of global wealth management at Fiduciary Trust Company International. “Don't assume that just because there is no federal estate tax, there won't be any estate tax at all,” she said.
Source: http://www.investmentnews.com/apps/pbcs.dll/article?AID=/20100216/FREE/100219915
There are currently 14 states and the District of Columbia which have state estate taxes. You can click here to see a chart of the states and the exemption amounts. Did you know that 7 states have an inheritance tax? Click here for a chart and be glad your state is not listed!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Don't Forget About State Estate & Inheritance Taxes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Don't Forget About State Estate & Inheritance Taxes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The federal "death tax" may or may not rise from the dead in 2010. However, Washington State may double its state estate tax to 38% for estates at or above $9 million. Will other states follow this year?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The federal "death tax" may or may not rise from the dead in 2010. However, Washington State may double its state estate tax to 38% for estates at or above $9 million. Will other states follow this year?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: forget-state-estate-inheritance-taxes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: forget-state-estate-inheritance-taxes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-29 17:47:42
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-30 00:47:42
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=636
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=636
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 482
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-23 14:06:23
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-23 22:06:23
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Chuck Price Tom+Carol Oregon 2.3 Transcript.ppt
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Chuck Price Tom+Carol Oregon 2.3 Transcript.ppt
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: chuck-price-tomcarol-oregon-2-3-transcript-ppt
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-23 14:06:23
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/Chuck-Price-Tom+Carol-Oregon-2.3-Transcript.ppt.zip
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/Chuck-Price-Tom+Carol-Oregon-2.3-Transcript.ppt.zip
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: attachment
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 21:15:24
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Yellow page ad
Radio show
Walk-in traffic
Asking clients for referrals
Yet these sources are unpredictable and not really repeatable. Sometimes you get leads when you're crazy busy. And other times your appointment schedule is getting light and the telephone just won't ring.
What you need to develop is a "sales lead machine." You want to create a marketing program which generates a consistent and ongoing stream of prospective clients.
You need to find what works well and what works for you. This can take some testing. Or you can take an existing marketing system and adapt it to your particular practice. Let me give you a few ways I've helped clients create a lead machine.
One way is to create a free report and offer it in your advertising. The report can be in the form of a written report such as the "7 Most Common Retirement Planning Mistakes...and How To Avoid Them." Better yet, you can create an "expert audio CD physical report so interested parties need to give you call you and provide their mailing address . Get their phone number and email to follow-up to find out if they have any questions about the report. Your report should generate questions in their minds as well as establish you as the expert to provide the answers. When you want to turn on your lead machine, just mail some postcards or run a display ad in your newspaper or a weekly paper directed at senior citizens. You'll be able to test your ad based on the number of people who call and ask for the report.
My favorite "sales lead machine" is to help advisors put on living trust seminars first seminar involves a lot of work including getting your newspaper ads designed and past compliance, choosing a restaurant, and establishing a relationship with an estate planning attorney. Yet the key advantage of buying a sales lead machine is that you avoid all the trial and error of designing ads and creating the tools to make it a system. Yesterday, one advisor held his first 2 seminars and had 14 attendees in the mid-day seminar and another 16 in the evening. Future seminars build on prior seminars because the ads establish the advisor as an estate planning expert. Plus his presentation skills will improve as he commits the presentation to memory and weaves in more of his own war stories.
Let's break down his sales lead machine and see how it turns leads into clients:
Schedule the seminar and confirm the date with the estate planning attorney
Book the facility and update the newspaper advertisement
Notify your mailing list of the upcoming seminar and run your newspaper ads
Hold the seminar and establish yourself as an estate planning expert by educating the attendees.
Schedule attendees for initial consultations and assist the attorney through the trust process
Assist trust clients through estate planning and gently turn them into financial planning clients....
Now this advisor has scheduled seminars monthly so he'll generate a steady stream of new clients during the year. Advisor/CPA's who focus on taxes during the tax season would schedule seminars after April 15th.
Other clients hold elaborate client appreciation dinners in December. Clients get wined and dined and educated by a noted speaker. Of course, they are encouraged to invite a neighboring couple. Get this formula down and you'll have a very busy January and February!
"Random acts of kindness" might make this world a better place. However, "random acts of marketing" usually waste money and don't generate consistent leads. For that you need a sales lead machine.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Yellow page ad
Radio show
Walk-in traffic
Asking clients for referrals
Yet these sources are unpredictable and not really repeatable. Sometimes you get leads when you're crazy busy. And other times your appointment schedule is getting light and the telephone just won't ring.
What you need to develop is a "sales lead machine." You want to create a marketing program which generates a consistent and ongoing stream of prospective clients.
You need to find what works well and what works for you. This can take some testing. Or you can take an existing marketing system and adapt it to your particular practice. Let me give you a few ways I've helped clients create a lead machine.
One way is to create a free report and offer it in your advertising. The report can be in the form of a written report such as the "7 Most Common Retirement Planning Mistakes...and How To Avoid Them." Better yet, you can create an "expert audio CD physical report so interested parties need to give you call you and provide their mailing address . Get their phone number and email to follow-up to find out if they have any questions about the report. Your report should generate questions in their minds as well as establish you as the expert to provide the answers. When you want to turn on your lead machine, just mail some postcards or run a display ad in your newspaper or a weekly paper directed at senior citizens. You'll be able to test your ad based on the number of people who call and ask for the report.
My favorite "sales lead machine" is to help advisors put on living trust seminars first seminar involves a lot of work including getting your newspaper ads designed and past compliance, choosing a restaurant, and establishing a relationship with an estate planning attorney. Yet the key advantage of buying a sales lead machine is that you avoid all the trial and error of designing ads and creating the tools to make it a system. Yesterday, one advisor held his first 2 seminars and had 14 attendees in the mid-day seminar and another 16 in the evening. Future seminars build on prior seminars because the ads establish the advisor as an estate planning expert. Plus his presentation skills will improve as he commits the presentation to memory and weaves in more of his own war stories.
Let's break down his sales lead machine and see how it turns leads into clients:
Schedule the seminar and confirm the date with the estate planning attorney
Book the facility and update the newspaper advertisement
Notify your mailing list of the upcoming seminar and run your newspaper ads
Hold the seminar and establish yourself as an estate planning expert by educating the attendees.
Schedule attendees for initial consultations and assist the attorney through the trust process
Assist trust clients through estate planning and gently turn them into financial planning clients....
Now this advisor has scheduled seminars monthly so he'll generate a steady stream of new clients during the year. Advisor/CPA's who focus on taxes during the tax season would schedule seminars after April 15th.
Other clients hold elaborate client appreciation dinners in December. Clients get wined and dined and educated by a noted speaker. Of course, they are encouraged to invite a neighboring couple. Get this formula down and you'll have a very busy January and February!
"Random acts of kindness" might make this world a better place. However, "random acts of marketing" usually waste money and don't generate consistent leads. For that you need a sales lead machine.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success with a "Sales Lead Machine"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success with a "Sales Lead Machine"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons discusses the advantages of "sales lead machines" and how they provide financial advisors with a steady, predictable, and repeatable flow of prospective clients.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons discusses the advantages of "sales lead machines" and how they provide financial advisors with a steady, predictable, and repeatable flow of prospective clients.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: advisor-marketing-success-sales-lead-machine
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: advisor-marketing-success-sales-lead-machine
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 21:15:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 21:15:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 05:15:24
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 05:15:24
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=489
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=489
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: post
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 490
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 490
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 20:31:51
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 20:31:51
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 04:31:51
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 04:31:51
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you're a financial advisor getting ready to retire, this post is definitely not for you. Or if you have so many long-time and new clients you can't imagine squeezing one more client into your crowded schedule, then please ignore this message. Now let me talk to the rest of you out there!
There are lots ways to get more sales leads:
Yellow page ad
Radio show
Walk-in traffic
Asking clients for referrals
Yet these sources are unpredictable and not really repeatable. Sometimes you get leads when you're crazy busy. And other times your appointment schedule is getting light and the telephone just won't ring.
What you need to develop is a "sales lead machine." You want to create a marketing program which generates a consistent and ongoing stream of prospective clients.
You need to find what works well and what works for you. This can take some testing. Or you can take an existing marketing system and adapt it to your particular practice. Let me give you a few ways I've helped clients create a lead machine.
One way is to create a free report and offer it in your advertising. The report can be in the form of a written report such as the "7 Most Common Retirement Planning Mistakes...and How To Avoid Them." Better yet, you can create an "expert audio CD" which your prospects can listen to in the car.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you're a financial advisor getting ready to retire, this post is definitely not for you. Or if you have so many long-time and new clients you can't imagine squeezing one more client into your crowded schedule, then please ignore this message. Now let me talk to the rest of you out there!
There are lots ways to get more sales leads:
Yellow page ad
Radio show
Walk-in traffic
Asking clients for referrals
Yet these sources are unpredictable and not really repeatable. Sometimes you get leads when you're crazy busy. And other times your appointment schedule is getting light and the telephone just won't ring.
What you need to develop is a "sales lead machine." You want to create a marketing program which generates a consistent and ongoing stream of prospective clients.
You need to find what works well and what works for you. This can take some testing. Or you can take an existing marketing system and adapt it to your particular practice. Let me give you a few ways I've helped clients create a lead machine.
One way is to create a free report and offer it in your advertising. The report can be in the form of a written report such as the "7 Most Common Retirement Planning Mistakes...and How To Avoid Them." Better yet, you can create an "expert audio CD" which your prospects can listen to in the car.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success with a "Sales Lead Machine"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success with a "Sales Lead Machine"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489-revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 20:31:51
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 20:31:51
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 04:31:51
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 04:31:51
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/489-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/489-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 491
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 491
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 20:53:21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 20:53:21
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 04:53:21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 04:53:21
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you're a financial advisor getting ready to retire, this post is definitely not for you. Or if you have so many long-time and new clients you can't imagine squeezing one more client into your crowded schedule, then please ignore this message. Now let me talk to the rest of you out there!
There are lots ways to get more sales leads:
Yellow page ad
Radio show
Walk-in traffic
Asking clients for referrals
Yet these sources are unpredictable and not really repeatable. Sometimes you get leads when you're crazy busy. And other times your appointment schedule is getting light and the telephone just won't ring.
What you need to develop is a "sales lead machine." You want to create a marketing program which generates a consistent and ongoing stream of prospective clients.
You need to find what works well and what works for you. This can take some testing. Or you can take an existing marketing system and adapt it to your particular practice. Let me give you a few ways I've helped clients create a lead machine.
One way is to create a free report and offer it in your advertising. The report can be in the form of a written report such as the "7 Most Common Retirement Planning Mistakes...and How To Avoid Them." Better yet, you can create an "expert audio CD " which your prospects can listen to in the car. The trick is to offer a physical report so interested parties need to give you call you and provide their mailing address. Get their phone number and email to follow-up to find out if they have any questions about the report. When you want to turn on your lead machine, just mail some postcards or run a display ad in your newspaper or a weekly paper directed at senior citizens. You'll be able to test your ad based on the number of people who call and ask for the report.
My favorite "sales lead machine" is to help advisors put on living trust seminars . Yes, getting your first seminar involves a lot of work including getting your newspaper ads designed and past compliance, choosing a restaurant, and establishing a relationship with an estate planning attorney. Yet the key advantage of buying a sales lead machine is that you avoid all the trial and error of designing ads and creating the tools to make it a system. Yesterday, one advisor held his first 2 seminars and had 14 attendees in the mid-day seminar and another 16 in the evening. Future seminars build on prior seminars because the ads establish the advisor as an estate planning expert. Plus his presentation skills will improve as he commits the presentation to memory and weaves in more of his own war stories.
Let's break down his sales lead machine and see how it turns leads into clients:
Schedule the seminar and confirm the date with the estate planning attorney
Book the facility and update the newspaper advertisement
Notify your mailing list of the upcoming seminar and run your newspaper ads
Hold the seminar and establish yourself as an estate planning expert by educating the attendees.
Schedule attendees for initial consultations and assist the attorney through the trust process
Assist trust clients through estate planning and gently turn them into financial planning clients....
Now this advisor has scheduled seminars monthly so he'll generate a steady stream of new clients during the year. Advisor/CPA's who focus on taxes during the tax season would schedule seminars after April 15th.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you're a financial advisor getting ready to retire, this post is definitely not for you. Or if you have so many long-time and new clients you can't imagine squeezing one more client into your crowded schedule, then please ignore this message. Now let me talk to the rest of you out there!
There are lots ways to get more sales leads:
Yellow page ad
Radio show
Walk-in traffic
Asking clients for referrals
Yet these sources are unpredictable and not really repeatable. Sometimes you get leads when you're crazy busy. And other times your appointment schedule is getting light and the telephone just won't ring.
What you need to develop is a "sales lead machine." You want to create a marketing program which generates a consistent and ongoing stream of prospective clients.
You need to find what works well and what works for you. This can take some testing. Or you can take an existing marketing system and adapt it to your particular practice. Let me give you a few ways I've helped clients create a lead machine.
One way is to create a free report and offer it in your advertising. The report can be in the form of a written report such as the "7 Most Common Retirement Planning Mistakes...and How To Avoid Them." Better yet, you can create an "expert audio CD " which your prospects can listen to in the car. The trick is to offer a physical report so interested parties need to give you call you and provide their mailing address. Get their phone number and email to follow-up to find out if they have any questions about the report. When you want to turn on your lead machine, just mail some postcards or run a display ad in your newspaper or a weekly paper directed at senior citizens. You'll be able to test your ad based on the number of people who call and ask for the report.
My favorite "sales lead machine" is to help advisors put on living trust seminars . Yes, getting your first seminar involves a lot of work including getting your newspaper ads designed and past compliance, choosing a restaurant, and establishing a relationship with an estate planning attorney. Yet the key advantage of buying a sales lead machine is that you avoid all the trial and error of designing ads and creating the tools to make it a system. Yesterday, one advisor held his first 2 seminars and had 14 attendees in the mid-day seminar and another 16 in the evening. Future seminars build on prior seminars because the ads establish the advisor as an estate planning expert. Plus his presentation skills will improve as he commits the presentation to memory and weaves in more of his own war stories.
Let's break down his sales lead machine and see how it turns leads into clients:
Schedule the seminar and confirm the date with the estate planning attorney
Book the facility and update the newspaper advertisement
Notify your mailing list of the upcoming seminar and run your newspaper ads
Hold the seminar and establish yourself as an estate planning expert by educating the attendees.
Schedule attendees for initial consultations and assist the attorney through the trust process
Assist trust clients through estate planning and gently turn them into financial planning clients....
Now this advisor has scheduled seminars monthly so he'll generate a steady stream of new clients during the year. Advisor/CPA's who focus on taxes during the tax season would schedule seminars after April 15th.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success with a "Sales Lead Machine"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success with a "Sales Lead Machine"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 20:53:21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 20:53:21
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 04:53:21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 04:53:21
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/489-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/489-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 492
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 492
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 20:54:21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 20:54:21
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 04:54:21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 04:54:21
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you're a financial advisor getting ready to retire, this post is definitely not for you. Or if you have so many long-time and new clients you can't imagine squeezing one more client into your crowded schedule, then please ignore this message. Now let me talk to the rest of you out there!
There are lots ways to get more sales leads:
Yellow page ad
Radio show
Walk-in traffic
Asking clients for referrals
Yet these sources are unpredictable and not really repeatable. Sometimes you get leads when you're crazy busy. And other times your appointment schedule is getting light and the telephone just won't ring.
What you need to develop is a "sales lead machine." You want to create a marketing program which generates a consistent and ongoing stream of prospective clients.
You need to find what works well and what works for you. This can take some testing. Or you can take an existing marketing system and adapt it to your particular practice. Let me give you a few ways I've helped clients create a lead machine.
One way is to create a free report and offer it in your advertising. The report can be in the form of a written report such as the "7 Most Common Retirement Planning Mistakes...and How To Avoid Them." Better yet, you can create an "expert audio CD " which your prospects can listen to in the car. The trick is to offer a physical report so interested parties need to give you call you and provide their mailing address. Get their phone number and email to follow-up to find out if they have any questions about the report. When you want to turn on your lead machine, just mail some postcards or run a display ad in your newspaper or a weekly paper directed at senior citizens. You'll be able to test your ad based on the number of people who call and ask for the report.
My favorite "sales lead machine" is to help advisors put on living trust seminars . Yes, getting your first seminar involves a lot of work including getting your newspaper ads designed and past compliance, choosing a restaurant, and establishing a relationship with an estate planning attorney. Yet the key advantage of buying a sales lead machine is that you avoid all the trial and error of designing ads and creating the tools to make it a system. Yesterday, one advisor held his first 2 seminars and had 14 attendees in the mid-day seminar and another 16 in the evening. Future seminars build on prior seminars because the ads establish the advisor as an estate planning expert. Plus his presentation skills will improve as he commits the presentation to memory and weaves in more of his own war stories.
Let's break down his sales lead machine and see how it turns leads into clients:
Schedule the seminar and confirm the date with the estate planning attorney
Book the facility and update the newspaper advertisement
Notify your mailing list of the upcoming seminar and run your newspaper ads
Hold the seminar and establish yourself as an estate planning expert by educating the attendees.
Schedule attendees for initial consultations and assist the attorney through the trust process
Assist trust clients through estate planning and gently turn them into financial planning clients....
Now this advisor has scheduled seminars monthly so he'll generate a steady stream of new clients during the year. Advisor/CPA's who focus on taxes during the tax season would schedule seminars after April 15th.
Other clients hold elaborate client appreciation dinners in December.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you're a financial advisor getting ready to retire, this post is definitely not for you. Or if you have so many long-time and new clients you can't imagine squeezing one more client into your crowded schedule, then please ignore this message. Now let me talk to the rest of you out there!
There are lots ways to get more sales leads:
Yellow page ad
Radio show
Walk-in traffic
Asking clients for referrals
Yet these sources are unpredictable and not really repeatable. Sometimes you get leads when you're crazy busy. And other times your appointment schedule is getting light and the telephone just won't ring.
What you need to develop is a "sales lead machine." You want to create a marketing program which generates a consistent and ongoing stream of prospective clients.
You need to find what works well and what works for you. This can take some testing. Or you can take an existing marketing system and adapt it to your particular practice. Let me give you a few ways I've helped clients create a lead machine.
One way is to create a free report and offer it in your advertising. The report can be in the form of a written report such as the "7 Most Common Retirement Planning Mistakes...and How To Avoid Them." Better yet, you can create an "expert audio CD " which your prospects can listen to in the car. The trick is to offer a physical report so interested parties need to give you call you and provide their mailing address. Get their phone number and email to follow-up to find out if they have any questions about the report. When you want to turn on your lead machine, just mail some postcards or run a display ad in your newspaper or a weekly paper directed at senior citizens. You'll be able to test your ad based on the number of people who call and ask for the report.
My favorite "sales lead machine" is to help advisors put on living trust seminars . Yes, getting your first seminar involves a lot of work including getting your newspaper ads designed and past compliance, choosing a restaurant, and establishing a relationship with an estate planning attorney. Yet the key advantage of buying a sales lead machine is that you avoid all the trial and error of designing ads and creating the tools to make it a system. Yesterday, one advisor held his first 2 seminars and had 14 attendees in the mid-day seminar and another 16 in the evening. Future seminars build on prior seminars because the ads establish the advisor as an estate planning expert. Plus his presentation skills will improve as he commits the presentation to memory and weaves in more of his own war stories.
Let's break down his sales lead machine and see how it turns leads into clients:
Schedule the seminar and confirm the date with the estate planning attorney
Book the facility and update the newspaper advertisement
Notify your mailing list of the upcoming seminar and run your newspaper ads
Hold the seminar and establish yourself as an estate planning expert by educating the attendees.
Schedule attendees for initial consultations and assist the attorney through the trust process
Assist trust clients through estate planning and gently turn them into financial planning clients....
Now this advisor has scheduled seminars monthly so he'll generate a steady stream of new clients during the year. Advisor/CPA's who focus on taxes during the tax season would schedule seminars after April 15th.
Other clients hold elaborate client appreciation dinners in December.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success with a "Sales Lead Machine"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success with a "Sales Lead Machine"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 20:54:21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 20:54:21
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 04:54:21
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 04:54:21
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/489-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/489-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 493
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 493
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 21:09:13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 21:09:13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 05:09:13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 05:09:13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: money_machine
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: money_machine
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: money_machine
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: money_machine
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 21:09:13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 21:09:13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 05:09:13
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 05:09:13
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/money_machine.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/money_machine.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: attachment
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: attachment
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: image/jpeg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: image/jpeg
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 494
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 494
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 21:01:16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 21:01:16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 05:01:16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 05:01:16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: If you're a financial advisor getting ready to retire, this post is definitely not for you. Or if you have so many long-time and new clients you can't imagine squeezing one more client into your crowded schedule, then please ignore this message. Now let me talk to the rest of you out there!
There are lots ways to get more sales leads:
Yellow page ad
Radio show
Walk-in traffic
Asking clients for referrals
Yet these sources are unpredictable and not really repeatable. Sometimes you get leads when you're crazy busy. And other times your appointment schedule is getting light and the telephone just won't ring.
What you need to develop is a "sales lead machine." You want to create a marketing program which generates a consistent and ongoing stream of prospective clients.
You need to find what works well and what works for you. This can take some testing. Or you can take an existing marketing system and adapt it to your particular practice. Let me give you a few ways I've helped clients create a lead machine.
One way is to create a free report and offer it in your advertising. The report can be in the form of a written report such as the "7 Most Common Retirement Planning Mistakes...and How To Avoid Them." Better yet, you can create an "expert audio CD physical report so interested parties need to give you call you and provide their mailing address . Get their phone number and email to follow-up to find out if they have any questions about the report. Your report should generate questions in their minds as well as establish you as the expert to provide the answers. When you want to turn on your lead machine, just mail some postcards or run a display ad in your newspaper or a weekly paper directed at senior citizens. You'll be able to test your ad based on the number of people who call and ask for the report.
My favorite "sales lead machine" is to help advisors put on living trust seminars first seminar involves a lot of work including getting your newspaper ads designed and past compliance, choosing a restaurant, and establishing a relationship with an estate planning attorney. Yet the key advantage of buying a sales lead machine is that you avoid all the trial and error of designing ads and creating the tools to make it a system. Yesterday, one advisor held his first 2 seminars and had 14 attendees in the mid-day seminar and another 16 in the evening. Future seminars build on prior seminars because the ads establish the advisor as an estate planning expert. Plus his presentation skills will improve as he commits the presentation to memory and weaves in more of his own war stories.
Let's break down his sales lead machine and see how it turns leads into clients:
Schedule the seminar and confirm the date with the estate planning attorney
Book the facility and update the newspaper advertisement
Notify your mailing list of the upcoming seminar and run your newspaper ads
Hold the seminar and establish yourself as an estate planning expert by educating the attendees.
Schedule attendees for initial consultations and assist the attorney through the trust process
Assist trust clients through estate planning and gently turn them into financial planning clients....
Now this advisor has scheduled seminars monthly so he'll generate a steady stream of new clients during the year. Advisor/CPA's who focus on taxes during the tax season would schedule seminars after April 15th.
Other clients hold elaborate client appreciation dinners in December. Clients get wined and dined and educated by a noted speaker. Of course, they are encouraged to invite a neighboring couple. Get this formula down and you'll have a very busy January and February!
"Random acts of kindness" might make this world a better place. However, "random acts of marketing" usually waste money and don't generate consistent leads. For that you need a sales lead machine.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: If you're a financial advisor getting ready to retire, this post is definitely not for you. Or if you have so many long-time and new clients you can't imagine squeezing one more client into your crowded schedule, then please ignore this message. Now let me talk to the rest of you out there!
There are lots ways to get more sales leads:
Yellow page ad
Radio show
Walk-in traffic
Asking clients for referrals
Yet these sources are unpredictable and not really repeatable. Sometimes you get leads when you're crazy busy. And other times your appointment schedule is getting light and the telephone just won't ring.
What you need to develop is a "sales lead machine." You want to create a marketing program which generates a consistent and ongoing stream of prospective clients.
You need to find what works well and what works for you. This can take some testing. Or you can take an existing marketing system and adapt it to your particular practice. Let me give you a few ways I've helped clients create a lead machine.
One way is to create a free report and offer it in your advertising. The report can be in the form of a written report such as the "7 Most Common Retirement Planning Mistakes...and How To Avoid Them." Better yet, you can create an "expert audio CD physical report so interested parties need to give you call you and provide their mailing address . Get their phone number and email to follow-up to find out if they have any questions about the report. Your report should generate questions in their minds as well as establish you as the expert to provide the answers. When you want to turn on your lead machine, just mail some postcards or run a display ad in your newspaper or a weekly paper directed at senior citizens. You'll be able to test your ad based on the number of people who call and ask for the report.
My favorite "sales lead machine" is to help advisors put on living trust seminars first seminar involves a lot of work including getting your newspaper ads designed and past compliance, choosing a restaurant, and establishing a relationship with an estate planning attorney. Yet the key advantage of buying a sales lead machine is that you avoid all the trial and error of designing ads and creating the tools to make it a system. Yesterday, one advisor held his first 2 seminars and had 14 attendees in the mid-day seminar and another 16 in the evening. Future seminars build on prior seminars because the ads establish the advisor as an estate planning expert. Plus his presentation skills will improve as he commits the presentation to memory and weaves in more of his own war stories.
Let's break down his sales lead machine and see how it turns leads into clients:
Schedule the seminar and confirm the date with the estate planning attorney
Book the facility and update the newspaper advertisement
Notify your mailing list of the upcoming seminar and run your newspaper ads
Hold the seminar and establish yourself as an estate planning expert by educating the attendees.
Schedule attendees for initial consultations and assist the attorney through the trust process
Assist trust clients through estate planning and gently turn them into financial planning clients....
Now this advisor has scheduled seminars monthly so he'll generate a steady stream of new clients during the year. Advisor/CPA's who focus on taxes during the tax season would schedule seminars after April 15th.
Other clients hold elaborate client appreciation dinners in December. Clients get wined and dined and educated by a noted speaker. Of course, they are encouraged to invite a neighboring couple. Get this formula down and you'll have a very busy January and February!
"Random acts of kindness" might make this world a better place. However, "random acts of marketing" usually waste money and don't generate consistent leads. For that you need a sales lead machine.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success with a "Sales Lead Machine"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success with a "Sales Lead Machine"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 21:01:16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 21:01:16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 05:01:16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 05:01:16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/489-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/489-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 495
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 495
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 21:09:44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 21:09:44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 05:09:44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 05:09:44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Yellow page ad
Radio show
Walk-in traffic
Asking clients for referrals
Yet these sources are unpredictable and not really repeatable. Sometimes you get leads when you're crazy busy. And other times your appointment schedule is getting light and the telephone just won't ring.
What you need to develop is a "sales lead machine." You want to create a marketing program which generates a consistent and ongoing stream of prospective clients.
You need to find what works well and what works for you. This can take some testing. Or you can take an existing marketing system and adapt it to your particular practice. Let me give you a few ways I've helped clients create a lead machine.
One way is to create a free report and offer it in your advertising. The report can be in the form of a written report such as the "7 Most Common Retirement Planning Mistakes...and How To Avoid Them." Better yet, you can create an "expert audio CD physical report so interested parties need to give you call you and provide their mailing address . Get their phone number and email to follow-up to find out if they have any questions about the report. Your report should generate questions in their minds as well as establish you as the expert to provide the answers. When you want to turn on your lead machine, just mail some postcards or run a display ad in your newspaper or a weekly paper directed at senior citizens. You'll be able to test your ad based on the number of people who call and ask for the report.
My favorite "sales lead machine" is to help advisors put on living trust seminars first seminar involves a lot of work including getting your newspaper ads designed and past compliance, choosing a restaurant, and establishing a relationship with an estate planning attorney. Yet the key advantage of buying a sales lead machine is that you avoid all the trial and error of designing ads and creating the tools to make it a system. Yesterday, one advisor held his first 2 seminars and had 14 attendees in the mid-day seminar and another 16 in the evening. Future seminars build on prior seminars because the ads establish the advisor as an estate planning expert. Plus his presentation skills will improve as he commits the presentation to memory and weaves in more of his own war stories.
Let's break down his sales lead machine and see how it turns leads into clients:
Schedule the seminar and confirm the date with the estate planning attorney
Book the facility and update the newspaper advertisement
Notify your mailing list of the upcoming seminar and run your newspaper ads
Hold the seminar and establish yourself as an estate planning expert by educating the attendees.
Schedule attendees for initial consultations and assist the attorney through the trust process
Assist trust clients through estate planning and gently turn them into financial planning clients....
Now this advisor has scheduled seminars monthly so he'll generate a steady stream of new clients during the year. Advisor/CPA's who focus on taxes during the tax season would schedule seminars after April 15th.
Other clients hold elaborate client appreciation dinners in December. Clients get wined and dined and educated by a noted speaker. Of course, they are encouraged to invite a neighboring couple. Get this formula down and you'll have a very busy January and February!
"Random acts of kindness" might make this world a better place. However, "random acts of marketing" usually waste money and don't generate consistent leads. For that you need a sales lead machine.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Yellow page ad
Radio show
Walk-in traffic
Asking clients for referrals
Yet these sources are unpredictable and not really repeatable. Sometimes you get leads when you're crazy busy. And other times your appointment schedule is getting light and the telephone just won't ring.
What you need to develop is a "sales lead machine." You want to create a marketing program which generates a consistent and ongoing stream of prospective clients.
You need to find what works well and what works for you. This can take some testing. Or you can take an existing marketing system and adapt it to your particular practice. Let me give you a few ways I've helped clients create a lead machine.
One way is to create a free report and offer it in your advertising. The report can be in the form of a written report such as the "7 Most Common Retirement Planning Mistakes...and How To Avoid Them." Better yet, you can create an "expert audio CD physical report so interested parties need to give you call you and provide their mailing address . Get their phone number and email to follow-up to find out if they have any questions about the report. Your report should generate questions in their minds as well as establish you as the expert to provide the answers. When you want to turn on your lead machine, just mail some postcards or run a display ad in your newspaper or a weekly paper directed at senior citizens. You'll be able to test your ad based on the number of people who call and ask for the report.
My favorite "sales lead machine" is to help advisors put on living trust seminars first seminar involves a lot of work including getting your newspaper ads designed and past compliance, choosing a restaurant, and establishing a relationship with an estate planning attorney. Yet the key advantage of buying a sales lead machine is that you avoid all the trial and error of designing ads and creating the tools to make it a system. Yesterday, one advisor held his first 2 seminars and had 14 attendees in the mid-day seminar and another 16 in the evening. Future seminars build on prior seminars because the ads establish the advisor as an estate planning expert. Plus his presentation skills will improve as he commits the presentation to memory and weaves in more of his own war stories.
Let's break down his sales lead machine and see how it turns leads into clients:
Schedule the seminar and confirm the date with the estate planning attorney
Book the facility and update the newspaper advertisement
Notify your mailing list of the upcoming seminar and run your newspaper ads
Hold the seminar and establish yourself as an estate planning expert by educating the attendees.
Schedule attendees for initial consultations and assist the attorney through the trust process
Assist trust clients through estate planning and gently turn them into financial planning clients....
Now this advisor has scheduled seminars monthly so he'll generate a steady stream of new clients during the year. Advisor/CPA's who focus on taxes during the tax season would schedule seminars after April 15th.
Other clients hold elaborate client appreciation dinners in December. Clients get wined and dined and educated by a noted speaker. Of course, they are encouraged to invite a neighboring couple. Get this formula down and you'll have a very busy January and February!
"Random acts of kindness" might make this world a better place. However, "random acts of marketing" usually waste money and don't generate consistent leads. For that you need a sales lead machine.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success with a "Sales Lead Machine"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success with a "Sales Lead Machine"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 21:09:44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 21:09:44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 05:09:44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 05:09:44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/489-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/489-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 496
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 496
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 21:09:45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 21:09:45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 05:09:45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 05:09:45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Yellow page ad
Radio show
Walk-in traffic
Asking clients for referrals
Yet these sources are unpredictable and not really repeatable. Sometimes you get leads when you're crazy busy. And other times your appointment schedule is getting light and the telephone just won't ring.
What you need to develop is a "sales lead machine." You want to create a marketing program which generates a consistent and ongoing stream of prospective clients.
You need to find what works well and what works for you. This can take some testing. Or you can take an existing marketing system and adapt it to your particular practice. Let me give you a few ways I've helped clients create a lead machine.
One way is to create a free report and offer it in your advertising. The report can be in the form of a written report such as the "7 Most Common Retirement Planning Mistakes...and How To Avoid Them." Better yet, you can create an "expert audio CD physical report so interested parties need to give you call you and provide their mailing address . Get their phone number and email to follow-up to find out if they have any questions about the report. Your report should generate questions in their minds as well as establish you as the expert to provide the answers. When you want to turn on your lead machine, just mail some postcards or run a display ad in your newspaper or a weekly paper directed at senior citizens. You'll be able to test your ad based on the number of people who call and ask for the report.
My favorite "sales lead machine" is to help advisors put on living trust seminars first seminar involves a lot of work including getting your newspaper ads designed and past compliance, choosing a restaurant, and establishing a relationship with an estate planning attorney. Yet the key advantage of buying a sales lead machine is that you avoid all the trial and error of designing ads and creating the tools to make it a system. Yesterday, one advisor held his first 2 seminars and had 14 attendees in the mid-day seminar and another 16 in the evening. Future seminars build on prior seminars because the ads establish the advisor as an estate planning expert. Plus his presentation skills will improve as he commits the presentation to memory and weaves in more of his own war stories.
Let's break down his sales lead machine and see how it turns leads into clients:
Schedule the seminar and confirm the date with the estate planning attorney
Book the facility and update the newspaper advertisement
Notify your mailing list of the upcoming seminar and run your newspaper ads
Hold the seminar and establish yourself as an estate planning expert by educating the attendees.
Schedule attendees for initial consultations and assist the attorney through the trust process
Assist trust clients through estate planning and gently turn them into financial planning clients....
Now this advisor has scheduled seminars monthly so he'll generate a steady stream of new clients during the year. Advisor/CPA's who focus on taxes during the tax season would schedule seminars after April 15th.
Other clients hold elaborate client appreciation dinners in December. Clients get wined and dined and educated by a noted speaker. Of course, they are encouraged to invite a neighboring couple. Get this formula down and you'll have a very busy January and February!
"Random acts of kindness" might make this world a better place. However, "random acts of marketing" usually waste money and don't generate consistent leads. For that you need a sales lead machine.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Yellow page ad
Radio show
Walk-in traffic
Asking clients for referrals
Yet these sources are unpredictable and not really repeatable. Sometimes you get leads when you're crazy busy. And other times your appointment schedule is getting light and the telephone just won't ring.
What you need to develop is a "sales lead machine." You want to create a marketing program which generates a consistent and ongoing stream of prospective clients.
You need to find what works well and what works for you. This can take some testing. Or you can take an existing marketing system and adapt it to your particular practice. Let me give you a few ways I've helped clients create a lead machine.
One way is to create a free report and offer it in your advertising. The report can be in the form of a written report such as the "7 Most Common Retirement Planning Mistakes...and How To Avoid Them." Better yet, you can create an "expert audio CD physical report so interested parties need to give you call you and provide their mailing address . Get their phone number and email to follow-up to find out if they have any questions about the report. Your report should generate questions in their minds as well as establish you as the expert to provide the answers. When you want to turn on your lead machine, just mail some postcards or run a display ad in your newspaper or a weekly paper directed at senior citizens. You'll be able to test your ad based on the number of people who call and ask for the report.
My favorite "sales lead machine" is to help advisors put on living trust seminars first seminar involves a lot of work including getting your newspaper ads designed and past compliance, choosing a restaurant, and establishing a relationship with an estate planning attorney. Yet the key advantage of buying a sales lead machine is that you avoid all the trial and error of designing ads and creating the tools to make it a system. Yesterday, one advisor held his first 2 seminars and had 14 attendees in the mid-day seminar and another 16 in the evening. Future seminars build on prior seminars because the ads establish the advisor as an estate planning expert. Plus his presentation skills will improve as he commits the presentation to memory and weaves in more of his own war stories.
Let's break down his sales lead machine and see how it turns leads into clients:
Schedule the seminar and confirm the date with the estate planning attorney
Book the facility and update the newspaper advertisement
Notify your mailing list of the upcoming seminar and run your newspaper ads
Hold the seminar and establish yourself as an estate planning expert by educating the attendees.
Schedule attendees for initial consultations and assist the attorney through the trust process
Assist trust clients through estate planning and gently turn them into financial planning clients....
Now this advisor has scheduled seminars monthly so he'll generate a steady stream of new clients during the year. Advisor/CPA's who focus on taxes during the tax season would schedule seminars after April 15th.
Other clients hold elaborate client appreciation dinners in December. Clients get wined and dined and educated by a noted speaker. Of course, they are encouraged to invite a neighboring couple. Get this formula down and you'll have a very busy January and February!
"Random acts of kindness" might make this world a better place. However, "random acts of marketing" usually waste money and don't generate consistent leads. For that you need a sales lead machine.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success with a "Sales Lead Machine"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success with a "Sales Lead Machine"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 21:09:45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 21:09:45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 05:09:45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 05:09:45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/489-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/489-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 497
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 497
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 21:10:08
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 21:10:08
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 05:10:08
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 05:10:08
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
Yellow page ad
Radio show
Walk-in traffic
Asking clients for referrals
Yet these sources are unpredictable and not really repeatable. Sometimes you get leads when you're crazy busy. And other times your appointment schedule is getting light and the telephone just won't ring.
What you need to develop is a "sales lead machine." You want to create a marketing program which generates a consistent and ongoing stream of prospective clients.
You need to find what works well and what works for you. This can take some testing. Or you can take an existing marketing system and adapt it to your particular practice. Let me give you a few ways I've helped clients create a lead machine.
One way is to create a free report and offer it in your advertising. The report can be in the form of a written report such as the "7 Most Common Retirement Planning Mistakes...and How To Avoid Them." Better yet, you can create an "expert audio CD physical report so interested parties need to give you call you and provide their mailing address . Get their phone number and email to follow-up to find out if they have any questions about the report. Your report should generate questions in their minds as well as establish you as the expert to provide the answers. When you want to turn on your lead machine, just mail some postcards or run a display ad in your newspaper or a weekly paper directed at senior citizens. You'll be able to test your ad based on the number of people who call and ask for the report.
My favorite "sales lead machine" is to help advisors put on living trust seminars first seminar involves a lot of work including getting your newspaper ads designed and past compliance, choosing a restaurant, and establishing a relationship with an estate planning attorney. Yet the key advantage of buying a sales lead machine is that you avoid all the trial and error of designing ads and creating the tools to make it a system. Yesterday, one advisor held his first 2 seminars and had 14 attendees in the mid-day seminar and another 16 in the evening. Future seminars build on prior seminars because the ads establish the advisor as an estate planning expert. Plus his presentation skills will improve as he commits the presentation to memory and weaves in more of his own war stories.
Let's break down his sales lead machine and see how it turns leads into clients:
Schedule the seminar and confirm the date with the estate planning attorney
Book the facility and update the newspaper advertisement
Notify your mailing list of the upcoming seminar and run your newspaper ads
Hold the seminar and establish yourself as an estate planning expert by educating the attendees.
Schedule attendees for initial consultations and assist the attorney through the trust process
Assist trust clients through estate planning and gently turn them into financial planning clients....
Now this advisor has scheduled seminars monthly so he'll generate a steady stream of new clients during the year. Advisor/CPA's who focus on taxes during the tax season would schedule seminars after April 15th.
Other clients hold elaborate client appreciation dinners in December. Clients get wined and dined and educated by a noted speaker. Of course, they are encouraged to invite a neighboring couple. Get this formula down and you'll have a very busy January and February!
"Random acts of kindness" might make this world a better place. However, "random acts of marketing" usually waste money and don't generate consistent leads. For that you need a sales lead machine.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Yellow page ad
Radio show
Walk-in traffic
Asking clients for referrals
Yet these sources are unpredictable and not really repeatable. Sometimes you get leads when you're crazy busy. And other times your appointment schedule is getting light and the telephone just won't ring.
What you need to develop is a "sales lead machine." You want to create a marketing program which generates a consistent and ongoing stream of prospective clients.
You need to find what works well and what works for you. This can take some testing. Or you can take an existing marketing system and adapt it to your particular practice. Let me give you a few ways I've helped clients create a lead machine.
One way is to create a free report and offer it in your advertising. The report can be in the form of a written report such as the "7 Most Common Retirement Planning Mistakes...and How To Avoid Them." Better yet, you can create an "expert audio CD physical report so interested parties need to give you call you and provide their mailing address . Get their phone number and email to follow-up to find out if they have any questions about the report. Your report should generate questions in their minds as well as establish you as the expert to provide the answers. When you want to turn on your lead machine, just mail some postcards or run a display ad in your newspaper or a weekly paper directed at senior citizens. You'll be able to test your ad based on the number of people who call and ask for the report.
My favorite "sales lead machine" is to help advisors put on living trust seminars first seminar involves a lot of work including getting your newspaper ads designed and past compliance, choosing a restaurant, and establishing a relationship with an estate planning attorney. Yet the key advantage of buying a sales lead machine is that you avoid all the trial and error of designing ads and creating the tools to make it a system. Yesterday, one advisor held his first 2 seminars and had 14 attendees in the mid-day seminar and another 16 in the evening. Future seminars build on prior seminars because the ads establish the advisor as an estate planning expert. Plus his presentation skills will improve as he commits the presentation to memory and weaves in more of his own war stories.
Let's break down his sales lead machine and see how it turns leads into clients:
Schedule the seminar and confirm the date with the estate planning attorney
Book the facility and update the newspaper advertisement
Notify your mailing list of the upcoming seminar and run your newspaper ads
Hold the seminar and establish yourself as an estate planning expert by educating the attendees.
Schedule attendees for initial consultations and assist the attorney through the trust process
Assist trust clients through estate planning and gently turn them into financial planning clients....
Now this advisor has scheduled seminars monthly so he'll generate a steady stream of new clients during the year. Advisor/CPA's who focus on taxes during the tax season would schedule seminars after April 15th.
Other clients hold elaborate client appreciation dinners in December. Clients get wined and dined and educated by a noted speaker. Of course, they are encouraged to invite a neighboring couple. Get this formula down and you'll have a very busy January and February!
"Random acts of kindness" might make this world a better place. However, "random acts of marketing" usually waste money and don't generate consistent leads. For that you need a sales lead machine.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success with a "Sales Lead Machine"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success with a "Sales Lead Machine"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-26 21:10:08
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-26 21:10:08
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 05:10:08
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 05:10:08
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 489
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/489-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/489-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 498
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 498
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 11:52:03
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 11:52:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 19:52:03
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 19:52:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Also at today’s event, the Vice President announced that the Department of Labor is proposing new protections for workers with 401(k)s and IRAs. These new protections are an important step in the Administration’s efforts to make the retirement system more secure for middle class workers and families. The regulations will protect workers from conflicts of interest and expand the opportunities for employers to offer workers the expert investment advice they need to make the best possible decisions about how to save their hard-earned wages.
“A secure retirement is essential to workers and the nation’s economy. Along with Social Security and personal savings, secure retirement allows Americans to remain in the middle class when their working days are done. And, the money in the retirement system brings tremendous pools of investment capital, creating jobs and expanding our economy,” said U.S. Deputy Secretary of Labor Seth Harris. “These rules will strengthen America’s private retirement system by ensuring workers get good, objective information. When that happens, workers make the kind of decisions that are good for their families and the nation as the whole.” Source: http://www.whitehouse.gov/the-press-office/vice-president-biden-issues-middle-class-task-force-annual-report
So how will this affect financial advisors? Here's what the Financial Times had to say:
The new rules would require retirement investment advisers and money managers to either base their advice on computer models that have been certified as independent, or they would prohibit them from suggesting workers to invest in funds with which they are affiliated or from which they receive commissions. Source: http://www.ft.com/cms/s/0/d81ac69a-22f3-11df-a25f-00144feab49a.html?nclick_check=1
This sounds ominous because financial advisors will either need to use independently certified computer models or no longer suggest funds for which they receive commissions. Remember that the rules have been proposed and could change. And they don't affect all investors. Yet.
The Department of Labor issued a related press release which partly clarifies who would be covered by these proposed rules:
The first of the two rules would ensure workers receive unbiased advice about how to invest in their individual retirement accounts or 401(k) plans. If the rule is adopted, it would put in place safeguards preventing investment advisors from slanting their advice for their own financial benefit. Investment advisors also would be required to disclose their fees, and computer models used to offer advice would have to be certified as objective and unbiased. The department estimates that 2 million workers and 13 million IRA holders would benefit from this rule to the tune of $6 billion.
The second rule announced today establishes new guidelines on the disclosure of funding and other financial information to workers participating in multiemployer retirement plans — those collectively bargained by unions and groups of employers. It will ensure transparency by guaranteeing workers can better monitor the financial condition and day-to-day operations of their retirement investments. The rule will go into effect in April 2010. Source: http://www.prnewswire.com/news-releases/us-labor-department-rules-to-improve-retirement-security-announced-as-part-of-white-house-middle-class-task-forces-year-end-report-85499197.html
These rules stem from the Obama Administration's goal of helping the middle class. Many 401(k)s became 201(k)s and with the stock market bounce might be back to 301(k) level now. Will these rules help? Only time will tell. Are the proposed rules realistic ? Let's end with a quote from a Reuters story:
"Expert advice can be helpful, but that advice must be unbiased and there must be no risk that the adviser will benefit from steering workers to particular investments," Deputy Labor Secretary Seth Harris said at the event. Source: http://www.reuters.com/article/idUSTRE61P26O20100226
You can watch the 29 minute White House announcement here. The part dealing with retirement account protection is the first 10 minutes.
Also at today’s event, the Vice President announced that the Department of Labor is proposing new protections for workers with 401(k)s and IRAs. These new protections are an important step in the Administration’s efforts to make the retirement system more secure for middle class workers and families. The regulations will protect workers from conflicts of interest and expand the opportunities for employers to offer workers the expert investment advice they need to make the best possible decisions about how to save their hard-earned wages.
“A secure retirement is essential to workers and the nation’s economy. Along with Social Security and personal savings, secure retirement allows Americans to remain in the middle class when their working days are done. And, the money in the retirement system brings tremendous pools of investment capital, creating jobs and expanding our economy,” said U.S. Deputy Secretary of Labor Seth Harris. “These rules will strengthen America’s private retirement system by ensuring workers get good, objective information. When that happens, workers make the kind of decisions that are good for their families and the nation as the whole.” Source: http://www.whitehouse.gov/the-press-office/vice-president-biden-issues-middle-class-task-force-annual-report
So how will this affect financial advisors? Here's what the Financial Times had to say:
The new rules would require retirement investment advisers and money managers to either base their advice on computer models that have been certified as independent, or they would prohibit them from suggesting workers to invest in funds with which they are affiliated or from which they receive commissions. Source: http://www.ft.com/cms/s/0/d81ac69a-22f3-11df-a25f-00144feab49a.html?nclick_check=1
This sounds ominous because financial advisors will either need to use independently certified computer models or no longer suggest funds for which they receive commissions. Remember that the rules have been proposed and could change. And they don't affect all investors. Yet.
The Department of Labor issued a related press release which partly clarifies who would be covered by these proposed rules:
The first of the two rules would ensure workers receive unbiased advice about how to invest in their individual retirement accounts or 401(k) plans. If the rule is adopted, it would put in place safeguards preventing investment advisors from slanting their advice for their own financial benefit. Investment advisors also would be required to disclose their fees, and computer models used to offer advice would have to be certified as objective and unbiased. The department estimates that 2 million workers and 13 million IRA holders would benefit from this rule to the tune of $6 billion.
The second rule announced today establishes new guidelines on the disclosure of funding and other financial information to workers participating in multiemployer retirement plans — those collectively bargained by unions and groups of employers. It will ensure transparency by guaranteeing workers can better monitor the financial condition and day-to-day operations of their retirement investments. The rule will go into effect in April 2010. Source: http://www.prnewswire.com/news-releases/us-labor-department-rules-to-improve-retirement-security-announced-as-part-of-white-house-middle-class-task-forces-year-end-report-85499197.html
These rules stem from the Obama Administration's goal of helping the middle class. Many 401(k)s became 201(k)s and with the stock market bounce might be back to 301(k) level now. Will these rules help? Only time will tell. Are the proposed rules realistic ? Let's end with a quote from a Reuters story:
"Expert advice can be helpful, but that advice must be unbiased and there must be no risk that the adviser will benefit from steering workers to particular investments," Deputy Labor Secretary Seth Harris said at the event. Source: http://www.reuters.com/article/idUSTRE61P26O20100226
You can watch the 29 minute White House announcement here. The part dealing with retirement account protection is the first 10 minutes.
Also at today’s event, the Vice President announced that the Department of Labor is proposing new protections for workers with 401(k)s and IRAs. These new protections are an important step in the Administration’s efforts to make the retirement system more secure for middle class workers and families. The regulations will protect workers from conflicts of interest and expand the opportunities for employers to offer workers the expert investment advice they need to make the best possible decisions about how to save their hard-earned wages.
“A secure retirement is essential to workers and the nation’s economy. Along with Social Security and personal savings, secure retirement allows Americans to remain in the middle class when their working days are done. And, the money in the retirement system brings tremendous pools of investment capital, creating jobs and expanding our economy,” said U.S. Deputy Secretary of Labor Seth Harris. “These rules will strengthen America’s private retirement system by ensuring workers get good, objective information. When that happens, workers make the kind of decisions that are good for their families and the nation as the whole.” Source: http://www.whitehouse.gov/the-press-office/vice-president-biden-issues-middle-class-task-force-annual-report
So how will this affect financial advisors? Here's what the Financial Times had to say:
The new rules would require retirement investment advisers and money managers to either base their advice on computer models that have been certified as independent, or they would prohibit them from suggesting workers to invest in funds with which they are affiliated or from which they receive commissions. Source: http://www.ft.com/cms/s/0/d81ac69a-22f3-11df-a25f-00144feab49a.html?nclick_check=1
This sounds ominous because financial advisors will either need to use independently certified computer models or no longer suggest funds for which they receive commissions. Remember that the rules have been proposed and could change. And they don't affect all investors. Yet.
The Department of Labor issued a related press release which partly clarifies who would be covered by these proposed rules:
The first of the two rules would ensure workers receive unbiased advice about how to invest in their individual retirement accounts or 401(k) plans. If the rule is adopted, it would put in place safeguards preventing investment advisors from slanting their advice for their own financial benefit. Investment advisors also would be required to disclose their fees, and computer models used to offer advice would have to be certified as objective and unbiased. The department estimates that 2 million workers and 13 million IRA holders would benefit from this rule to the tune of $6 billion.
The second rule announced today establishes new guidelines on the disclosure of funding and other financial information to workers participating in multiemployer retirement plans — those collectively bargained by unions and groups of employers. It will ensure transparency by guaranteeing workers can better monitor the financial condition and day-to-day operations of their retirement investments. The rule will go into effect in April 2010. Source: http://www.prnewswire.com/news-releases/us-labor-department-rules-to-improve-retirement-security-announced-as-part-of-white-house-middle-class-task-forces-year-end-report-85499197.html
These rules stem from the Obama Administration's goal of helping the middle class. Many 401(k)s became 201(k)s and with the stock market bounce might be back to 301(k) level now. Will these rules help? Only time will tell. Are the proposed rules realistic ? Let's end with a quote from a Reuters story:
"Expert advice can be helpful, but that advice must be unbiased and there must be no risk that the adviser will benefit from steering workers to particular investments," Deputy Labor Secretary Seth Harris said at the event. Source: http://www.reuters.com/article/idUSTRE61P26O20100226
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Ronald Reagan once said the "nine most terrifying words in the English language are, 'I'm from the government and I'm here to help.' Yesterday, the White House announced planned rule changes aimed at ensuring employees of financial institutions receive objective investment advice for their 401(k)s and IRAs.
Will the new rules really help employees? Only time will tell. Will you be affected by these rules? You will if you assist employees of financial institutions.Will affect financial advisors ? Definitely.
Let's start with what the White House actually announced:
Also at today’s event, the Vice President announced that the Department of Labor is proposing new protections for workers with 401(k)s and IRAs. These new protections are an important step in the Administration’s efforts to make the retirement system more secure for middle class workers and families. The regulations will protect workers from conflicts of interest and expand the opportunities for employers to offer workers the expert investment advice they need to make the best possible decisions about how to save their hard-earned wages.
“A secure retirement is essential to workers and the nation’s economy. Along with Social Security and personal savings, secure retirement allows Americans to remain in the middle class when their working days are done. And, the money in the retirement system brings tremendous pools of investment capital, creating jobs and expanding our economy,” said U.S. Deputy Secretary of Labor Seth Harris. “These rules will strengthen America’s private retirement system by ensuring workers get good, objective information. When that happens, workers make the kind of decisions that are good for their families and the nation as the whole.” Source: http://www.whitehouse.gov/the-press-office/vice-president-biden-issues-middle-class-task-force-annual-report
So how will this affect financial advisors? Here's what the Financial Times had to say:
The new rules would require retirement investment advisers and money managers to either base their advice on computer models that have been certified as independent, or they would prohibit them from suggesting workers to invest in funds with which they are affiliated or from which they receive commissions. Source: http://www.ft.com/cms/s/0/d81ac69a-22f3-11df-a25f-00144feab49a.html?nclick_check=1
This sounds ominous because financial advisors will either need to use independently certified computer models or no longer suggest funds for which they receive commissions. Remember that the rules have been proposed and could change. And they don't affect all investors. Yet.
The Department of Labor issued a related press release which partly clarifies who would be covered by these proposed rules:
The first of the two rules would ensure workers receive unbiased advice about how to invest in their individual retirement accounts or 401(k) plans. If the rule is adopted, it would put in place safeguards preventing investment advisors from slanting their advice for their own financial benefit. Investment advisors also would be required to disclose their fees, and computer models used to offer advice would have to be certified as objective and unbiased. The department estimates that 2 million workers and 13 million IRA holders would benefit from this rule to the tune of $6 billion.
The second rule announced today establishes new guidelines on the disclosure of funding and other financial information to workers participating in multiemployer retirement plans — those collectively bargained by unions and groups of employers. It will ensure transparency by guaranteeing workers can better monitor the financial condition and day-to-day operations of their retirement investments. The rule will go into effect in April 2010. Source: http://www.prnewswire.com/news-releases/us-labor-department-rules-to-improve-retirement-security-announced-as-part-of-white-house-middle-class-task-forces-year-end-report-85499197.html
These rules stem from the Obama Administration's goal of helping the middle class. Many 401(k)s became 201(k)s and with the stock market bounce might be back to 301(k) level now. Will these rules help? Only time will tell. Are the proposed rules realistic ? Let's end with a quote from a Reuters story:
"Expert advice can be helpful, but that advice must be unbiased and there must be no risk that the adviser will benefit from steering workers to particular investments," Deputy Labor Secretary Seth Harris said at the event. Source: http://www.reuters.com/article/idUSTRE61P26O20100226
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: White House Sets New Rules on Retirement Accounts
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: White House Sets New Rules on Retirement Accounts
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 498-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 498-revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 11:24:59
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 19:24:59
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 19:24:59
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 498
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 498
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/498-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/498-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 500
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 11:25:02
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 19:25:02
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-02-27 19:25:02
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Ronald Reagan once said the "nine most terrifying words in the English language are, 'I'm from the government and I'm here to help.' Yesterday, the White House announced planned rule changes aimed at ensuring employees of financial institutions receive objective investment advice for their 401(k)s and IRAs.
Will the new rules really help employees? Only time will tell. Will you be affected by these rules? You will if you assist employees of financial institutions.Will affect financial advisors ? Definitely.
Let's start with what the White House actually announced:
Also at today’s event, the Vice President announced that the Department of Labor is proposing new protections for workers with 401(k)s and IRAs. These new protections are an important step in the Administration’s efforts to make the retirement system more secure for middle class workers and families. The regulations will protect workers from conflicts of interest and expand the opportunities for employers to offer workers the expert investment advice they need to make the best possible decisions about how to save their hard-earned wages.
“A secure retirement is essential to workers and the nation’s economy. Along with Social Security and personal savings, secure retirement allows Americans to remain in the middle class when their working days are done. And, the money in the retirement system brings tremendous pools of investment capital, creating jobs and expanding our economy,” said U.S. Deputy Secretary of Labor Seth Harris. “These rules will strengthen America’s private retirement system by ensuring workers get good, objective information. When that happens, workers make the kind of decisions that are good for their families and the nation as the whole.” Source: http://www.whitehouse.gov/the-press-office/vice-president-biden-issues-middle-class-task-force-annual-report
So how will this affect financial advisors? Here's what the Financial Times had to say:
The new rules would require retirement investment advisers and money managers to either base their advice on computer models that have been certified as independent, or they would prohibit them from suggesting workers to invest in funds with which they are affiliated or from which they receive commissions. Source: http://www.ft.com/cms/s/0/d81ac69a-22f3-11df-a25f-00144feab49a.html?nclick_check=1
This sounds ominous because financial advisors will either need to use independently certified computer models or no longer suggest funds for which they receive commissions. Remember that the rules have been proposed and could change. And they don't affect all investors. Yet.
The Department of Labor issued a related press release which partly clarifies who would be covered by these proposed rules:
The first of the two rules would ensure workers receive unbiased advice about how to invest in their individual retirement accounts or 401(k) plans. If the rule is adopted, it would put in place safeguards preventing investment advisors from slanting their advice for their own financial benefit. Investment advisors also would be required to disclose their fees, and computer models used to offer advice would have to be certified as objective and unbiased. The department estimates that 2 million workers and 13 million IRA holders would benefit from this rule to the tune of $6 billion.
The second rule announced today establishes new guidelines on the disclosure of funding and other financial information to workers participating in multiemployer retirement plans — those collectively bargained by unions and groups of employers. It will ensure transparency by guaranteeing workers can better monitor the financial condition and day-to-day operations of their retirement investments. The rule will go into effect in April 2010. Source: http://www.prnewswire.com/news-releases/us-labor-department-rules-to-improve-retirement-security-announced-as-part-of-white-house-middle-class-task-forces-year-end-report-85499197.html
These rules stem from the Obama Administration's goal of helping the middle class. Many 401(k)s became 201(k)s and with the stock market bounce might be back to 301(k) level now. Will these rules help? Only time will tell. Are the proposed rules realistic ? Let's end with a quote from a Reuters story:
"Expert advice can be helpful, but that advice must be unbiased and there must be no risk that the adviser will benefit from steering workers to particular investments," Deputy Labor Secretary Seth Harris said at the event. Source: http://www.reuters.com/article/idUSTRE61P26O20100226
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Ronald Reagan once said the "nine most terrifying words in the English language are, 'I'm from the government and I'm here to help.' Yesterday, the White House announced planned rule changes aimed at ensuring employees of financial institutions receive objective investment advice for their 401(k)s and IRAs.
Will the new rules really help employees? Only time will tell. Will you be affected by these rules? You will if you assist employees of financial institutions.Will affect financial advisors ? Definitely.
Let's start with what the White House actually announced:
Also at today’s event, the Vice President announced that the Department of Labor is proposing new protections for workers with 401(k)s and IRAs. These new protections are an important step in the Administration’s efforts to make the retirement system more secure for middle class workers and families. The regulations will protect workers from conflicts of interest and expand the opportunities for employers to offer workers the expert investment advice they need to make the best possible decisions about how to save their hard-earned wages.
“A secure retirement is essential to workers and the nation’s economy. Along with Social Security and personal savings, secure retirement allows Americans to remain in the middle class when their working days are done. And, the money in the retirement system brings tremendous pools of investment capital, creating jobs and expanding our economy,” said U.S. Deputy Secretary of Labor Seth Harris. “These rules will strengthen America’s private retirement system by ensuring workers get good, objective information. When that happens, workers make the kind of decisions that are good for their families and the nation as the whole.” Source: http://www.whitehouse.gov/the-press-office/vice-president-biden-issues-middle-class-task-force-annual-report
So how will this affect financial advisors? Here's what the Financial Times had to say:
The new rules would require retirement investment advisers and money managers to either base their advice on computer models that have been certified as independent, or they would prohibit them from suggesting workers to invest in funds with which they are affiliated or from which they receive commissions. Source: http://www.ft.com/cms/s/0/d81ac69a-22f3-11df-a25f-00144feab49a.html?nclick_check=1
This sounds ominous because financial advisors will either need to use independently certified computer models or no longer suggest funds for which they receive commissions. Remember that the rules have been proposed and could change. And they don't affect all investors. Yet.
The Department of Labor issued a related press release which partly clarifies who would be covered by these proposed rules:
The first of the two rules would ensure workers receive unbiased advice about how to invest in their individual retirement accounts or 401(k) plans. If the rule is adopted, it would put in place safeguards preventing investment advisors from slanting their advice for their own financial benefit. Investment advisors also would be required to disclose their fees, and computer models used to offer advice would have to be certified as objective and unbiased. The department estimates that 2 million workers and 13 million IRA holders would benefit from this rule to the tune of $6 billion.
The second rule announced today establishes new guidelines on the disclosure of funding and other financial information to workers participating in multiemployer retirement plans — those collectively bargained by unions and groups of employers. It will ensure transparency by guaranteeing workers can better monitor the financial condition and day-to-day operations of their retirement investments. The rule will go into effect in April 2010. Source: http://www.prnewswire.com/news-releases/us-labor-department-rules-to-improve-retirement-security-announced-as-part-of-white-house-middle-class-task-forces-year-end-report-85499197.html
These rules stem from the Obama Administration's goal of helping the middle class. Many 401(k)s became 201(k)s and with the stock market bounce might be back to 301(k) level now. Will these rules help? Only time will tell. Are the proposed rules realistic ? Let's end with a quote from a Reuters story:
"Expert advice can be helpful, but that advice must be unbiased and there must be no risk that the adviser will benefit from steering workers to particular investments," Deputy Labor Secretary Seth Harris said at the event. Source: http://www.reuters.com/article/idUSTRE61P26O20100226
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: White House Sets New Rules on Retirement Accounts
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: White House Sets New Rules on Retirement Accounts
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 11:25:02
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 498
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 498
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/498-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/498-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-02-27 11:43:39
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Biden
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Ronald Reagan once said the "nine most terrifying words in the English language are, 'I'm from the government and I'm here to help.' Yesterday, the White House announced planned rule changes aimed at ensuring employees of financial institutions receive objective investment advice for their 401(k)s and IRAs.
Will the new rules really help employees? Only time will tell. Will you be affected by these rules? You will if you assist employees of financial institutions.Will affect financial advisors ? Definitely.
Let's start with what the White House actually announced:
Also at today’s event, the Vice President announced that the Department of Labor is proposing new protections for workers with 401(k)s and IRAs. These new protections are an important step in the Administration’s efforts to make the retirement system more secure for middle class workers and families. The regulations will protect workers from conflicts of interest and expand the opportunities for employers to offer workers the expert investment advice they need to make the best possible decisions about how to save their hard-earned wages.
“A secure retirement is essential to workers and the nation’s economy. Along with Social Security and personal savings, secure retirement allows Americans to remain in the middle class when their working days are done. And, the money in the retirement system brings tremendous pools of investment capital, creating jobs and expanding our economy,” said U.S. Deputy Secretary of Labor Seth Harris. “These rules will strengthen America’s private retirement system by ensuring workers get good, objective information. When that happens, workers make the kind of decisions that are good for their families and the nation as the whole.” Source: http://www.whitehouse.gov/the-press-office/vice-president-biden-issues-middle-class-task-force-annual-report
So how will this affect financial advisors? Here's what the Financial Times had to say:
The new rules would require retirement investment advisers and money managers to either base their advice on computer models that have been certified as independent, or they would prohibit them from suggesting workers to invest in funds with which they are affiliated or from which they receive commissions. Source: http://www.ft.com/cms/s/0/d81ac69a-22f3-11df-a25f-00144feab49a.html?nclick_check=1
This sounds ominous because financial advisors will either need to use independently certified computer models or no longer suggest funds for which they receive commissions. Remember that the rules have been proposed and could change. And they don't affect all investors. Yet.
The Department of Labor issued a related press release which partly clarifies who would be covered by these proposed rules:
The first of the two rules would ensure workers receive unbiased advice about how to invest in their individual retirement accounts or 401(k) plans. If the rule is adopted, it would put in place safeguards preventing investment advisors from slanting their advice for their own financial benefit. Investment advisors also would be required to disclose their fees, and computer models used to offer advice would have to be certified as objective and unbiased. The department estimates that 2 million workers and 13 million IRA holders would benefit from this rule to the tune of $6 billion.
The second rule announced today establishes new guidelines on the disclosure of funding and other financial information to workers participating in multiemployer retirement plans — those collectively bargained by unions and groups of employers. It will ensure transparency by guaranteeing workers can better monitor the financial condition and day-to-day operations of their retirement investments. The rule will go into effect in April 2010. Source: http://www.prnewswire.com/news-releases/us-labor-department-rules-to-improve-retirement-security-announced-as-part-of-white-house-middle-class-task-forces-year-end-report-85499197.html
These rules stem from the Obama Administration's goal of helping the middle class. Many 401(k)s became 201(k)s and with the stock market bounce might be back to 301(k) level now. Will these rules help? Only time will tell. Are the proposed rules realistic ? Let's end with a quote from a Reuters story:
"Expert advice can be helpful, but that advice must be unbiased and there must be no risk that the adviser will benefit from steering workers to particular investments," Deputy Labor Secretary Seth Harris said at the event. Source: http://www.reuters.com/article/idUSTRE61P26O20100226
You can watch the White House announcement here:
Also at today’s event, the Vice President announced that the Department of Labor is proposing new protections for workers with 401(k)s and IRAs. These new protections are an important step in the Administration’s efforts to make the retirement system more secure for middle class workers and families. The regulations will protect workers from conflicts of interest and expand the opportunities for employers to offer workers the expert investment advice they need to make the best possible decisions about how to save their hard-earned wages.
“A secure retirement is essential to workers and the nation’s economy. Along with Social Security and personal savings, secure retirement allows Americans to remain in the middle class when their working days are done. And, the money in the retirement system brings tremendous pools of investment capital, creating jobs and expanding our economy,” said U.S. Deputy Secretary of Labor Seth Harris. “These rules will strengthen America’s private retirement system by ensuring workers get good, objective information. When that happens, workers make the kind of decisions that are good for their families and the nation as the whole.” Source: http://www.whitehouse.gov/the-press-office/vice-president-biden-issues-middle-class-task-force-annual-report
So how will this affect financial advisors? Here's what the Financial Times had to say:
The new rules would require retirement investment advisers and money managers to either base their advice on computer models that have been certified as independent, or they would prohibit them from suggesting workers to invest in funds with which they are affiliated or from which they receive commissions. Source: http://www.ft.com/cms/s/0/d81ac69a-22f3-11df-a25f-00144feab49a.html?nclick_check=1
This sounds ominous because financial advisors will either need to use independently certified computer models or no longer suggest funds for which they receive commissions. Remember that the rules have been proposed and could change. And they don't affect all investors. Yet.
The Department of Labor issued a related press release which partly clarifies who would be covered by these proposed rules:
The first of the two rules would ensure workers receive unbiased advice about how to invest in their individual retirement accounts or 401(k) plans. If the rule is adopted, it would put in place safeguards preventing investment advisors from slanting their advice for their own financial benefit. Investment advisors also would be required to disclose their fees, and computer models used to offer advice would have to be certified as objective and unbiased. The department estimates that 2 million workers and 13 million IRA holders would benefit from this rule to the tune of $6 billion.
The second rule announced today establishes new guidelines on the disclosure of funding and other financial information to workers participating in multiemployer retirement plans — those collectively bargained by unions and groups of employers. It will ensure transparency by guaranteeing workers can better monitor the financial condition and day-to-day operations of their retirement investments. The rule will go into effect in April 2010. Source: http://www.prnewswire.com/news-releases/us-labor-department-rules-to-improve-retirement-security-announced-as-part-of-white-house-middle-class-task-forces-year-end-report-85499197.html
These rules stem from the Obama Administration's goal of helping the middle class. Many 401(k)s became 201(k)s and with the stock market bounce might be back to 301(k) level now. Will these rules help? Only time will tell. Are the proposed rules realistic ? Let's end with a quote from a Reuters story:
"Expert advice can be helpful, but that advice must be unbiased and there must be no risk that the adviser will benefit from steering workers to particular investments," Deputy Labor Secretary Seth Harris said at the event. Source: http://www.reuters.com/article/idUSTRE61P26O20100226
You can watch the White House announcement here:
Also at today’s event, the Vice President announced that the Department of Labor is proposing new protections for workers with 401(k)s and IRAs. These new protections are an important step in the Administration’s efforts to make the retirement system more secure for middle class workers and families. The regulations will protect workers from conflicts of interest and expand the opportunities for employers to offer workers the expert investment advice they need to make the best possible decisions about how to save their hard-earned wages.
“A secure retirement is essential to workers and the nation’s economy. Along with Social Security and personal savings, secure retirement allows Americans to remain in the middle class when their working days are done. And, the money in the retirement system brings tremendous pools of investment capital, creating jobs and expanding our economy,” said U.S. Deputy Secretary of Labor Seth Harris. “These rules will strengthen America’s private retirement system by ensuring workers get good, objective information. When that happens, workers make the kind of decisions that are good for their families and the nation as the whole.” Source: http://www.whitehouse.gov/the-press-office/vice-president-biden-issues-middle-class-task-force-annual-report
So how will this affect financial advisors? Here's what the Financial Times had to say:
The new rules would require retirement investment advisers and money managers to either base their advice on computer models that have been certified as independent, or they would prohibit them from suggesting workers to invest in funds with which they are affiliated or from which they receive commissions. Source: http://www.ft.com/cms/s/0/d81ac69a-22f3-11df-a25f-00144feab49a.html?nclick_check=1
This sounds ominous because financial advisors will either need to use independently certified computer models or no longer suggest funds for which they receive commissions. Remember that the rules have been proposed and could change. And they don't affect all investors. Yet.
The Department of Labor issued a related press release which partly clarifies who would be covered by these proposed rules:
The first of the two rules would ensure workers receive unbiased advice about how to invest in their individual retirement accounts or 401(k) plans. If the rule is adopted, it would put in place safeguards preventing investment advisors from slanting their advice for their own financial benefit. Investment advisors also would be required to disclose their fees, and computer models used to offer advice would have to be certified as objective and unbiased. The department estimates that 2 million workers and 13 million IRA holders would benefit from this rule to the tune of $6 billion.
The second rule announced today establishes new guidelines on the disclosure of funding and other financial information to workers participating in multiemployer retirement plans — those collectively bargained by unions and groups of employers. It will ensure transparency by guaranteeing workers can better monitor the financial condition and day-to-day operations of their retirement investments. The rule will go into effect in April 2010. Source: http://www.prnewswire.com/news-releases/us-labor-department-rules-to-improve-retirement-security-announced-as-part-of-white-house-middle-class-task-forces-year-end-report-85499197.html
These rules stem from the Obama Administration's goal of helping the middle class. Many 401(k)s became 201(k)s and with the stock market bounce might be back to 301(k) level now. Will these rules help? Only time will tell. Are the proposed rules realistic ? Let's end with a quote from a Reuters story:
"Expert advice can be helpful, but that advice must be unbiased and there must be no risk that the adviser will benefit from steering workers to particular investments," Deputy Labor Secretary Seth Harris said at the event. Source: http://www.reuters.com/article/idUSTRE61P26O20100226
You can watch the 29 minute White House announcement here:
Also at today’s event, the Vice President announced that the Department of Labor is proposing new protections for workers with 401(k)s and IRAs. These new protections are an important step in the Administration’s efforts to make the retirement system more secure for middle class workers and families. The regulations will protect workers from conflicts of interest and expand the opportunities for employers to offer workers the expert investment advice they need to make the best possible decisions about how to save their hard-earned wages.
“A secure retirement is essential to workers and the nation’s economy. Along with Social Security and personal savings, secure retirement allows Americans to remain in the middle class when their working days are done. And, the money in the retirement system brings tremendous pools of investment capital, creating jobs and expanding our economy,” said U.S. Deputy Secretary of Labor Seth Harris. “These rules will strengthen America’s private retirement system by ensuring workers get good, objective information. When that happens, workers make the kind of decisions that are good for their families and the nation as the whole.” Source: http://www.whitehouse.gov/the-press-office/vice-president-biden-issues-middle-class-task-force-annual-report
So how will this affect financial advisors? Here's what the Financial Times had to say:
The new rules would require retirement investment advisers and money managers to either base their advice on computer models that have been certified as independent, or they would prohibit them from suggesting workers to invest in funds with which they are affiliated or from which they receive commissions. Source: http://www.ft.com/cms/s/0/d81ac69a-22f3-11df-a25f-00144feab49a.html?nclick_check=1
This sounds ominous because financial advisors will either need to use independently certified computer models or no longer suggest funds for which they receive commissions. Remember that the rules have been proposed and could change. And they don't affect all investors. Yet.
The Department of Labor issued a related press release which partly clarifies who would be covered by these proposed rules:
The first of the two rules would ensure workers receive unbiased advice about how to invest in their individual retirement accounts or 401(k) plans. If the rule is adopted, it would put in place safeguards preventing investment advisors from slanting their advice for their own financial benefit. Investment advisors also would be required to disclose their fees, and computer models used to offer advice would have to be certified as objective and unbiased. The department estimates that 2 million workers and 13 million IRA holders would benefit from this rule to the tune of $6 billion.
The second rule announced today establishes new guidelines on the disclosure of funding and other financial information to workers participating in multiemployer retirement plans — those collectively bargained by unions and groups of employers. It will ensure transparency by guaranteeing workers can better monitor the financial condition and day-to-day operations of their retirement investments. The rule will go into effect in April 2010. Source: http://www.prnewswire.com/news-releases/us-labor-department-rules-to-improve-retirement-security-announced-as-part-of-white-house-middle-class-task-forces-year-end-report-85499197.html
These rules stem from the Obama Administration's goal of helping the middle class. Many 401(k)s became 201(k)s and with the stock market bounce might be back to 301(k) level now. Will these rules help? Only time will tell. Are the proposed rules realistic ? Let's end with a quote from a Reuters story:
"Expert advice can be helpful, but that advice must be unbiased and there must be no risk that the adviser will benefit from steering workers to particular investments," Deputy Labor Secretary Seth Harris said at the event. Source: http://www.reuters.com/article/idUSTRE61P26O20100226
You can watch the 29 minute White House announcement here:
Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons for financial advisors.
Create an Event. Warren Buffett receives tons of free publicity before, during, and after his eagerly anticipated letter to shareholders is released each year.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener this year."
Do your event every year and you'll get lots of publicity from it.
Be Consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow. Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
Keep Your Brand Fresh. Being consistent in your marketing doesn't mean never change anything. In today's Heard on the Street column in the Wall Street Journal, Liam Denning writes that
Warren Buffett's latest shareholder letter can be summed up thusly: This isn't your father's Berkshire Hathaway.
The chairman's letter was billed, in part, as a "freshman orientation session" for Burlington Northern Santa Fe shareholders receiving Berkshire stock in connection with November's acquisition. Those investors thinking of buying a slice of Mr. Buffett's genius now that Berkshire's "B" shares reside in Standard & Poor's 500-stock index should join the class.
Mr. Buffett says he has lost his earlier distaste for capital-intensive businesses. Like other mature, successful businesses, Berkshire generates so much cash that deploying it all in high-growth investment opportunities is a stretch even for Mr. Buffett.
...Large, utility-like businesses offer what Mr. Buffett calls "decent" returns on a bigger slug of capital than higher-risk, potentially spectacular returns on smaller investments.
Jeff Matthews, author of "Pilgrimage to Warren Buffett's Omaha," reckons Berkshire is becoming more of a "widows and orphans" stock, with the investment case resting less on the alchemy of Mr. Buffett's stock picking. Less exciting, perhaps, but necessary if Berkshire is to carry on after America's most famous investor hangs up his spurs. Source: http://online.wsj.com/article/SB10001424052748703431604575095743489061252.html?mod=WSJ_Markets_section_Heard#articleTabs%3Darticle
Make it easier for people to do business with you. One of the reasons the shareholder's letter was a "freshman's orientation session" was because they added over 100,000 new shareholders during the year.
If you bought an advisor's book of business you would want to communicate the basics of doing business with you: communication channels. annual reviews, etc. If you added 10 new clients per living trust seminar, you'd have over 100 new clients at the end of the year. Never assume they know the in's and out's of doing business with you or how you invest or how you do financial planning.
Berthshire also did a 50 to 1 stock split to lower the share price of the B shares. A lower price means more people can buy a hundred shares. Plus they'll be added to the S&P 500 in a few months which means people will buy them when they buy the S&P 500 index.
Perhaps you only accept new clients with a minimum of $500,000 of investable assets. You could add a junior planner and lower your minimum to $250,000. This effectively lowers your "price" and makes it easier for more people to do business with you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons for financial advisors.
Create an Event. Warren Buffett receives tons of free publicity before, during, and after his eagerly anticipated letter to shareholders is released each year.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener this year."
Do your event every year and you'll get lots of publicity from it.
Be Consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow. Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
Keep Your Brand Fresh. Being consistent in your marketing doesn't mean never change anything. In today's Heard on the Street column in the Wall Street Journal, Liam Denning writes that
Warren Buffett's latest shareholder letter can be summed up thusly: This isn't your father's Berkshire Hathaway.
The chairman's letter was billed, in part, as a "freshman orientation session" for Burlington Northern Santa Fe shareholders receiving Berkshire stock in connection with November's acquisition. Those investors thinking of buying a slice of Mr. Buffett's genius now that Berkshire's "B" shares reside in Standard & Poor's 500-stock index should join the class.
Mr. Buffett says he has lost his earlier distaste for capital-intensive businesses. Like other mature, successful businesses, Berkshire generates so much cash that deploying it all in high-growth investment opportunities is a stretch even for Mr. Buffett.
...Large, utility-like businesses offer what Mr. Buffett calls "decent" returns on a bigger slug of capital than higher-risk, potentially spectacular returns on smaller investments.
Jeff Matthews, author of "Pilgrimage to Warren Buffett's Omaha," reckons Berkshire is becoming more of a "widows and orphans" stock, with the investment case resting less on the alchemy of Mr. Buffett's stock picking. Less exciting, perhaps, but necessary if Berkshire is to carry on after America's most famous investor hangs up his spurs. Source: http://online.wsj.com/article/SB10001424052748703431604575095743489061252.html?mod=WSJ_Markets_section_Heard#articleTabs%3Darticle
Make it easier for people to do business with you. One of the reasons the shareholder's letter was a "freshman's orientation session" was because they added over 100,000 new shareholders during the year.
If you bought an advisor's book of business you would want to communicate the basics of doing business with you: communication channels. annual reviews, etc. If you added 10 new clients per living trust seminar, you'd have over 100 new clients at the end of the year. Never assume they know the in's and out's of doing business with you or how you invest or how you do financial planning.
Berthshire also did a 50 to 1 stock split to lower the share price of the B shares. A lower price means more people can buy a hundred shares. Plus they'll be added to the S&P 500 in a few months which means people will buy them when they buy the S&P 500 index.
Perhaps you only accept new clients with a minimum of $500,000 of investable assets. You could add a junior planner and lower your minimum to $250,000. This effectively lowers your "price" and makes it easier for more people to do business with you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Warren Buffet released Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons for financial advisors.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Warren Buffet released Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons for financial advisors.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Warren Buffet released Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this event and apply some marketing lessons to financial advisors.
Create an event. Warren Buffett receives tons of free publicity before, during, and after for eagerly anticipated letter to shareholders.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Do it every year and you'll get lots of publicity from it. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener as well."
Be consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Warren Buffet released Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this event and apply some marketing lessons to financial advisors.
Create an event. Warren Buffett receives tons of free publicity before, during, and after for eagerly anticipated letter to shareholders.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Do it every year and you'll get lots of publicity from it. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener as well."
Be consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Lessons from Warren Buffett
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Warren Buffet released Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this event and apply some marketing lessons to financial advisors.
Create an event. Warren Buffett receives tons of free publicity before, during, and after for eagerly anticipated letter to shareholders.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Do it every year and you'll get lots of publicity from it. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener as well."
Be consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow.
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Warren Buffet released Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this event and apply some marketing lessons to financial advisors.
Create an event. Warren Buffett receives tons of free publicity before, during, and after for eagerly anticipated letter to shareholders.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Do it every year and you'll get lots of publicity from it. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener as well."
Be consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow.
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Lessons from Warren Buffett
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Warren Buffet released Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this event and apply some marketing lessons to financial advisors.
Create an event. Warren Buffett receives tons of free publicity before, during, and after for eagerly anticipated letter to shareholders.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Do it every year and you'll get lots of publicity from it. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener as well."
Be consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow.
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Warren Buffet released Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this event and apply some marketing lessons to financial advisors.
Create an event. Warren Buffett receives tons of free publicity before, during, and after for eagerly anticipated letter to shareholders.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Do it every year and you'll get lots of publicity from it. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener as well."
Be consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow.
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Lessons from Warren Buffett
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Warren Buffet released Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this event and apply some marketing lessons to financial advisors.
Create an Event. Warren Buffett receives tons of free publicity before, during, and after his eagerly anticipated letter to shareholders is released each year.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener this year."
Do your event every year and you'll get lots of publicity from it.
Be Consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow. Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
Keep Your Brand Fresh. Being consistent in your marketing doesn't mean never change anything. In today's Heard on the Street column in the Wall Street Journal, Liam Denning writes that
Warren Buffett's latest shareholder letter can be summed up thusly: This isn't your father's Berkshire Hathaway.
The chairman's letter was billed, in part, as a "freshman orientation session" for Burlington Northern Santa Fe shareholders receiving Berkshire stock in connection with November's acquisition. Those investors thinking of buying a slice of Mr. Buffett's genius now that Berkshire's "B" shares reside in Standard & Poor's 500-stock index should join the class.
Mr. Buffett says he has lost his earlier distaste for capital-intensive businesses. Like other mature, successful businesses, Berkshire generates so much cash that deploying it all in high-growth investment opportunities is a stretch even for Mr. Buffett.
...Large, utility-like businesses offer what Mr. Buffett calls "decent" returns on a bigger slug of capital than higher-risk, potentially spectacular returns on smaller investments.
Jeff Matthews, author of "Pilgrimage to Warren Buffett's Omaha," reckons Berkshire is becoming more of a "widows and orphans" stock, with the investment case resting less on the alchemy of Mr. Buffett's stock picking. Less exciting, perhaps, but necessary if Berkshire is to carry on after America's most famous investor hangs up his spurs. Source: http://online.wsj.com/article/SB10001424052748703431604575095743489061252.html?mod=WSJ_Markets_section_Heard#articleTabs%3Darticle
Make it easier for people to do business with you. One of the reasons the shareholder's letter was a "freshman's orientation session" was because they added over 100,000 new shareholders during the year.
If you bought an advisor's book of business you would want to communicate the basics of doing business with you: communication channels. annual reviews, etc. If you added 10 new clients per living trust seminar, you'd have over 100 new clients at the end of the year. Never assume they know the in's and out's of doing business with you or how you invest or how you do financial planning.
Berthshire also did a 50 to 1 stock split to lower the share price of the B shares. A lower price means more people can buy a hundred shares. Plus they'll be added to the S&P 500 in a few months which means people will buy them when they buy the S&P 500 index. Perhaps you only accept new clients with a minimum of $500,000 of investable assets. You could add a junior planner and lower your minimum to $250,000. This effectively lowers your entry level price and makes is easier for more people to do business with you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Warren Buffet released Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this event and apply some marketing lessons to financial advisors.
Create an Event. Warren Buffett receives tons of free publicity before, during, and after his eagerly anticipated letter to shareholders is released each year.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener this year."
Do your event every year and you'll get lots of publicity from it.
Be Consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow. Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
Keep Your Brand Fresh. Being consistent in your marketing doesn't mean never change anything. In today's Heard on the Street column in the Wall Street Journal, Liam Denning writes that
Warren Buffett's latest shareholder letter can be summed up thusly: This isn't your father's Berkshire Hathaway.
The chairman's letter was billed, in part, as a "freshman orientation session" for Burlington Northern Santa Fe shareholders receiving Berkshire stock in connection with November's acquisition. Those investors thinking of buying a slice of Mr. Buffett's genius now that Berkshire's "B" shares reside in Standard & Poor's 500-stock index should join the class.
Mr. Buffett says he has lost his earlier distaste for capital-intensive businesses. Like other mature, successful businesses, Berkshire generates so much cash that deploying it all in high-growth investment opportunities is a stretch even for Mr. Buffett.
...Large, utility-like businesses offer what Mr. Buffett calls "decent" returns on a bigger slug of capital than higher-risk, potentially spectacular returns on smaller investments.
Jeff Matthews, author of "Pilgrimage to Warren Buffett's Omaha," reckons Berkshire is becoming more of a "widows and orphans" stock, with the investment case resting less on the alchemy of Mr. Buffett's stock picking. Less exciting, perhaps, but necessary if Berkshire is to carry on after America's most famous investor hangs up his spurs. Source: http://online.wsj.com/article/SB10001424052748703431604575095743489061252.html?mod=WSJ_Markets_section_Heard#articleTabs%3Darticle
Make it easier for people to do business with you. One of the reasons the shareholder's letter was a "freshman's orientation session" was because they added over 100,000 new shareholders during the year.
If you bought an advisor's book of business you would want to communicate the basics of doing business with you: communication channels. annual reviews, etc. If you added 10 new clients per living trust seminar, you'd have over 100 new clients at the end of the year. Never assume they know the in's and out's of doing business with you or how you invest or how you do financial planning.
Berthshire also did a 50 to 1 stock split to lower the share price of the B shares. A lower price means more people can buy a hundred shares. Plus they'll be added to the S&P 500 in a few months which means people will buy them when they buy the S&P 500 index. Perhaps you only accept new clients with a minimum of $500,000 of investable assets. You could add a junior planner and lower your minimum to $250,000. This effectively lowers your entry level price and makes is easier for more people to do business with you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Lessons from Warren Buffett
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/505-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/505-revision-4/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons to financial advisors.
Create an Event. Warren Buffett receives tons of free publicity before, during, and after his eagerly anticipated letter to shareholders is released each year.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener this year."
Do your event every year and you'll get lots of publicity from it.
Be Consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow. Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
Keep Your Brand Fresh. Being consistent in your marketing doesn't mean never change anything. In today's Heard on the Street column in the Wall Street Journal, Liam Denning writes that
Warren Buffett's latest shareholder letter can be summed up thusly: This isn't your father's Berkshire Hathaway.
The chairman's letter was billed, in part, as a "freshman orientation session" for Burlington Northern Santa Fe shareholders receiving Berkshire stock in connection with November's acquisition. Those investors thinking of buying a slice of Mr. Buffett's genius now that Berkshire's "B" shares reside in Standard & Poor's 500-stock index should join the class.
Mr. Buffett says he has lost his earlier distaste for capital-intensive businesses. Like other mature, successful businesses, Berkshire generates so much cash that deploying it all in high-growth investment opportunities is a stretch even for Mr. Buffett.
...Large, utility-like businesses offer what Mr. Buffett calls "decent" returns on a bigger slug of capital than higher-risk, potentially spectacular returns on smaller investments.
Jeff Matthews, author of "Pilgrimage to Warren Buffett's Omaha," reckons Berkshire is becoming more of a "widows and orphans" stock, with the investment case resting less on the alchemy of Mr. Buffett's stock picking. Less exciting, perhaps, but necessary if Berkshire is to carry on after America's most famous investor hangs up his spurs. Source: http://online.wsj.com/article/SB10001424052748703431604575095743489061252.html?mod=WSJ_Markets_section_Heard#articleTabs%3Darticle
Make it easier for people to do business with you. One of the reasons the shareholder's letter was a "freshman's orientation session" was because they added over 100,000 new shareholders during the year.
If you bought an advisor's book of business you would want to communicate the basics of doing business with you: communication channels. annual reviews, etc. If you added 10 new clients per living trust seminar, you'd have over 100 new clients at the end of the year. Never assume they know the in's and out's of doing business with you or how you invest or how you do financial planning.
Berthshire also did a 50 to 1 stock split to lower the share price of the B shares. A lower price means more people can buy a hundred shares. Plus they'll be added to the S&P 500 in a few months which means people will buy them when they buy the S&P 500 index.
Perhaps you only accept new clients with a minimum of $500,000 of investable assets. You could add a junior planner and lower your minimum to $250,000. This effectively lowers your "price" and makes it easier for more people to do business with you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons to financial advisors.
Create an Event. Warren Buffett receives tons of free publicity before, during, and after his eagerly anticipated letter to shareholders is released each year.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener this year."
Do your event every year and you'll get lots of publicity from it.
Be Consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow. Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
Keep Your Brand Fresh. Being consistent in your marketing doesn't mean never change anything. In today's Heard on the Street column in the Wall Street Journal, Liam Denning writes that
Warren Buffett's latest shareholder letter can be summed up thusly: This isn't your father's Berkshire Hathaway.
The chairman's letter was billed, in part, as a "freshman orientation session" for Burlington Northern Santa Fe shareholders receiving Berkshire stock in connection with November's acquisition. Those investors thinking of buying a slice of Mr. Buffett's genius now that Berkshire's "B" shares reside in Standard & Poor's 500-stock index should join the class.
Mr. Buffett says he has lost his earlier distaste for capital-intensive businesses. Like other mature, successful businesses, Berkshire generates so much cash that deploying it all in high-growth investment opportunities is a stretch even for Mr. Buffett.
...Large, utility-like businesses offer what Mr. Buffett calls "decent" returns on a bigger slug of capital than higher-risk, potentially spectacular returns on smaller investments.
Jeff Matthews, author of "Pilgrimage to Warren Buffett's Omaha," reckons Berkshire is becoming more of a "widows and orphans" stock, with the investment case resting less on the alchemy of Mr. Buffett's stock picking. Less exciting, perhaps, but necessary if Berkshire is to carry on after America's most famous investor hangs up his spurs. Source: http://online.wsj.com/article/SB10001424052748703431604575095743489061252.html?mod=WSJ_Markets_section_Heard#articleTabs%3Darticle
Make it easier for people to do business with you. One of the reasons the shareholder's letter was a "freshman's orientation session" was because they added over 100,000 new shareholders during the year.
If you bought an advisor's book of business you would want to communicate the basics of doing business with you: communication channels. annual reviews, etc. If you added 10 new clients per living trust seminar, you'd have over 100 new clients at the end of the year. Never assume they know the in's and out's of doing business with you or how you invest or how you do financial planning.
Berthshire also did a 50 to 1 stock split to lower the share price of the B shares. A lower price means more people can buy a hundred shares. Plus they'll be added to the S&P 500 in a few months which means people will buy them when they buy the S&P 500 index.
Perhaps you only accept new clients with a minimum of $500,000 of investable assets. You could add a junior planner and lower your minimum to $250,000. This effectively lowers your "price" and makes it easier for more people to do business with you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Lessons from Warren Buffett
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/505-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/505-revision-5/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons for financial advisors.
Create an Event. Warren Buffett receives tons of free publicity before, during, and after his eagerly anticipated letter to shareholders is released each year.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener this year."
Do your event every year and you'll get lots of publicity from it.
Be Consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow. Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
Keep Your Brand Fresh. Being consistent in your marketing doesn't mean never change anything. In today's Heard on the Street column in the Wall Street Journal, Liam Denning writes that
Warren Buffett's latest shareholder letter can be summed up thusly: This isn't your father's Berkshire Hathaway.
The chairman's letter was billed, in part, as a "freshman orientation session" for Burlington Northern Santa Fe shareholders receiving Berkshire stock in connection with November's acquisition. Those investors thinking of buying a slice of Mr. Buffett's genius now that Berkshire's "B" shares reside in Standard & Poor's 500-stock index should join the class.
Mr. Buffett says he has lost his earlier distaste for capital-intensive businesses. Like other mature, successful businesses, Berkshire generates so much cash that deploying it all in high-growth investment opportunities is a stretch even for Mr. Buffett.
...Large, utility-like businesses offer what Mr. Buffett calls "decent" returns on a bigger slug of capital than higher-risk, potentially spectacular returns on smaller investments.
Jeff Matthews, author of "Pilgrimage to Warren Buffett's Omaha," reckons Berkshire is becoming more of a "widows and orphans" stock, with the investment case resting less on the alchemy of Mr. Buffett's stock picking. Less exciting, perhaps, but necessary if Berkshire is to carry on after America's most famous investor hangs up his spurs. Source: http://online.wsj.com/article/SB10001424052748703431604575095743489061252.html?mod=WSJ_Markets_section_Heard#articleTabs%3Darticle
Make it easier for people to do business with you. One of the reasons the shareholder's letter was a "freshman's orientation session" was because they added over 100,000 new shareholders during the year.
If you bought an advisor's book of business you would want to communicate the basics of doing business with you: communication channels. annual reviews, etc. If you added 10 new clients per living trust seminar, you'd have over 100 new clients at the end of the year. Never assume they know the in's and out's of doing business with you or how you invest or how you do financial planning.
Berthshire also did a 50 to 1 stock split to lower the share price of the B shares. A lower price means more people can buy a hundred shares. Plus they'll be added to the S&P 500 in a few months which means people will buy them when they buy the S&P 500 index.
Perhaps you only accept new clients with a minimum of $500,000 of investable assets. You could add a junior planner and lower your minimum to $250,000. This effectively lowers your "price" and makes it easier for more people to do business with you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons for financial advisors.
Create an Event. Warren Buffett receives tons of free publicity before, during, and after his eagerly anticipated letter to shareholders is released each year.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener this year."
Do your event every year and you'll get lots of publicity from it.
Be Consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow. Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
Keep Your Brand Fresh. Being consistent in your marketing doesn't mean never change anything. In today's Heard on the Street column in the Wall Street Journal, Liam Denning writes that
Warren Buffett's latest shareholder letter can be summed up thusly: This isn't your father's Berkshire Hathaway.
The chairman's letter was billed, in part, as a "freshman orientation session" for Burlington Northern Santa Fe shareholders receiving Berkshire stock in connection with November's acquisition. Those investors thinking of buying a slice of Mr. Buffett's genius now that Berkshire's "B" shares reside in Standard & Poor's 500-stock index should join the class.
Mr. Buffett says he has lost his earlier distaste for capital-intensive businesses. Like other mature, successful businesses, Berkshire generates so much cash that deploying it all in high-growth investment opportunities is a stretch even for Mr. Buffett.
...Large, utility-like businesses offer what Mr. Buffett calls "decent" returns on a bigger slug of capital than higher-risk, potentially spectacular returns on smaller investments.
Jeff Matthews, author of "Pilgrimage to Warren Buffett's Omaha," reckons Berkshire is becoming more of a "widows and orphans" stock, with the investment case resting less on the alchemy of Mr. Buffett's stock picking. Less exciting, perhaps, but necessary if Berkshire is to carry on after America's most famous investor hangs up his spurs. Source: http://online.wsj.com/article/SB10001424052748703431604575095743489061252.html?mod=WSJ_Markets_section_Heard#articleTabs%3Darticle
Make it easier for people to do business with you. One of the reasons the shareholder's letter was a "freshman's orientation session" was because they added over 100,000 new shareholders during the year.
If you bought an advisor's book of business you would want to communicate the basics of doing business with you: communication channels. annual reviews, etc. If you added 10 new clients per living trust seminar, you'd have over 100 new clients at the end of the year. Never assume they know the in's and out's of doing business with you or how you invest or how you do financial planning.
Berthshire also did a 50 to 1 stock split to lower the share price of the B shares. A lower price means more people can buy a hundred shares. Plus they'll be added to the S&P 500 in a few months which means people will buy them when they buy the S&P 500 index.
Perhaps you only accept new clients with a minimum of $500,000 of investable assets. You could add a junior planner and lower your minimum to $250,000. This effectively lowers your "price" and makes it easier for more people to do business with you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Lessons from Warren Buffett
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 505
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/505-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/505-revision-6/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons for financial advisors.
Create an Event. Warren Buffett receives tons of free publicity before, during, and after his eagerly anticipated letter to shareholders is released each year.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener this year."
Do your event every year and you'll get lots of publicity from it.
Be Consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow. Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
Keep Your Brand Fresh. Being consistent in your marketing doesn't mean never change anything. In today's Heard on the Street column in the Wall Street Journal, Liam Denning writes that
Warren Buffett's latest shareholder letter can be summed up thusly: This isn't your father's Berkshire Hathaway.
The chairman's letter was billed, in part, as a "freshman orientation session" for Burlington Northern Santa Fe shareholders receiving Berkshire stock in connection with November's acquisition. Those investors thinking of buying a slice of Mr. Buffett's genius now that Berkshire's "B" shares reside in Standard & Poor's 500-stock index should join the class.
Mr. Buffett says he has lost his earlier distaste for capital-intensive businesses. Like other mature, successful businesses, Berkshire generates so much cash that deploying it all in high-growth investment opportunities is a stretch even for Mr. Buffett.
...Large, utility-like businesses offer what Mr. Buffett calls "decent" returns on a bigger slug of capital than higher-risk, potentially spectacular returns on smaller investments.
Jeff Matthews, author of "Pilgrimage to Warren Buffett's Omaha," reckons Berkshire is becoming more of a "widows and orphans" stock, with the investment case resting less on the alchemy of Mr. Buffett's stock picking. Less exciting, perhaps, but necessary if Berkshire is to carry on after America's most famous investor hangs up his spurs. Source: http://online.wsj.com/article/SB10001424052748703431604575095743489061252.html?mod=WSJ_Markets_section_Heard#articleTabs%3Darticle
Make it easier for people to do business with you. One of the reasons the shareholder's letter was a "freshman's orientation session" was because they added over 100,000 new shareholders during the year.
If you bought an advisor's book of business you would want to communicate the basics of doing business with you: communication channels. annual reviews, etc. If you added 10 new clients per living trust seminar, you'd have over 100 new clients at the end of the year. Never assume they know the in's and out's of doing business with you or how you invest or how you do financial planning.
Berthshire also did a 50 to 1 stock split to lower the share price of the B shares. A lower price means more people can buy a hundred shares. Plus they'll be added to the S&P 500 in a few months which means people will buy them when they buy the S&P 500 index.
Perhaps you only accept new clients with a minimum of $500,000 of investable assets. You could add a junior planner and lower your minimum to $250,000. This effectively lowers your "price" and makes it easier for more people to do business with you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons for financial advisors.
Create an Event. Warren Buffett receives tons of free publicity before, during, and after his eagerly anticipated letter to shareholders is released each year.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener this year."
Do your event every year and you'll get lots of publicity from it.
Be Consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow. Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
Keep Your Brand Fresh. Being consistent in your marketing doesn't mean never change anything. In today's Heard on the Street column in the Wall Street Journal, Liam Denning writes that
Warren Buffett's latest shareholder letter can be summed up thusly: This isn't your father's Berkshire Hathaway.
The chairman's letter was billed, in part, as a "freshman orientation session" for Burlington Northern Santa Fe shareholders receiving Berkshire stock in connection with November's acquisition. Those investors thinking of buying a slice of Mr. Buffett's genius now that Berkshire's "B" shares reside in Standard & Poor's 500-stock index should join the class.
Mr. Buffett says he has lost his earlier distaste for capital-intensive businesses. Like other mature, successful businesses, Berkshire generates so much cash that deploying it all in high-growth investment opportunities is a stretch even for Mr. Buffett.
...Large, utility-like businesses offer what Mr. Buffett calls "decent" returns on a bigger slug of capital than higher-risk, potentially spectacular returns on smaller investments.
Jeff Matthews, author of "Pilgrimage to Warren Buffett's Omaha," reckons Berkshire is becoming more of a "widows and orphans" stock, with the investment case resting less on the alchemy of Mr. Buffett's stock picking. Less exciting, perhaps, but necessary if Berkshire is to carry on after America's most famous investor hangs up his spurs. Source: http://online.wsj.com/article/SB10001424052748703431604575095743489061252.html?mod=WSJ_Markets_section_Heard#articleTabs%3Darticle
Make it easier for people to do business with you. One of the reasons the shareholder's letter was a "freshman's orientation session" was because they added over 100,000 new shareholders during the year.
If you bought an advisor's book of business you would want to communicate the basics of doing business with you: communication channels. annual reviews, etc. If you added 10 new clients per living trust seminar, you'd have over 100 new clients at the end of the year. Never assume they know the in's and out's of doing business with you or how you invest or how you do financial planning.
Berthshire also did a 50 to 1 stock split to lower the share price of the B shares. A lower price means more people can buy a hundred shares. Plus they'll be added to the S&P 500 in a few months which means people will buy them when they buy the S&P 500 index.
Perhaps you only accept new clients with a minimum of $500,000 of investable assets. You could add a junior planner and lower your minimum to $250,000. This effectively lowers your "price" and makes it easier for more people to do business with you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Warren Buffet released Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons for financial advisors.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Warren Buffet released Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons for financial advisors.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 505-autosave
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-01 14:50:39
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 505
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 505
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/505-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/505-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons for financial advisors.
Create an Event. Warren Buffett receives tons of free publicity before, during, and after his eagerly anticipated letter to shareholders is released each year.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener this year."
Do your event every year and you'll get lots of publicity from it.
Be Consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow. Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
Keep Your Brand Fresh. Being consistent in your marketing doesn't mean never change anything. In today's Heard on the Street column in the Wall Street Journal, Liam Denning writes that
Warren Buffett's latest shareholder letter can be summed up thusly: This isn't your father's Berkshire Hathaway.
The chairman's letter was billed, in part, as a "freshman orientation session" for Burlington Northern Santa Fe shareholders receiving Berkshire stock in connection with November's acquisition. Those investors thinking of buying a slice of Mr. Buffett's genius now that Berkshire's "B" shares reside in Standard & Poor's 500-stock index should join the class.
Mr. Buffett says he has lost his earlier distaste for capital-intensive businesses. Like other mature, successful businesses, Berkshire generates so much cash that deploying it all in high-growth investment opportunities is a stretch even for Mr. Buffett.
...Large, utility-like businesses offer what Mr. Buffett calls "decent" returns on a bigger slug of capital than higher-risk, potentially spectacular returns on smaller investments.
Jeff Matthews, author of "Pilgrimage to Warren Buffett's Omaha," reckons Berkshire is becoming more of a "widows and orphans" stock, with the investment case resting less on the alchemy of Mr. Buffett's stock picking. Less exciting, perhaps, but necessary if Berkshire is to carry on after America's most famous investor hangs up his spurs. Source: http://online.wsj.com/article/SB10001424052748703431604575095743489061252.html?mod=WSJ_Markets_section_Heard#articleTabs%3Darticle
Make it easier for people to do business with you. One of the reasons the shareholder's letter was a "freshman's orientation session" was because they added over 100,000 new shareholders during the year.
If you bought an advisor's book of business you would want to communicate the basics of doing business with you: communication channels. annual reviews, etc. If you added 10 new clients per living trust seminar, you'd have over 100 new clients at the end of the year. Never assume they know the in's and out's of doing business with you or how you invest or how you do financial planning.
Berthshire also did a 50 to 1 stock split to lower the share price of the B shares. A lower price means more people can buy a hundred shares. Plus they'll be added to the S&P 500 in a few months which means people will buy them when they buy the S&P 500 index.
Perhaps you only accept new clients with a minimum of $500,000 of investable assets. You could add a junior planner and lower your minimum to $250,000. This effectively lowers your "price" and makes it easier for more people to do business with you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons for financial advisors.
Create an Event. Warren Buffett receives tons of free publicity before, during, and after his eagerly anticipated letter to shareholders is released each year.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener this year."
Do your event every year and you'll get lots of publicity from it.
Be Consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow. Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
Keep Your Brand Fresh. Being consistent in your marketing doesn't mean never change anything. In today's Heard on the Street column in the Wall Street Journal, Liam Denning writes that
Warren Buffett's latest shareholder letter can be summed up thusly: This isn't your father's Berkshire Hathaway.
The chairman's letter was billed, in part, as a "freshman orientation session" for Burlington Northern Santa Fe shareholders receiving Berkshire stock in connection with November's acquisition. Those investors thinking of buying a slice of Mr. Buffett's genius now that Berkshire's "B" shares reside in Standard & Poor's 500-stock index should join the class.
Mr. Buffett says he has lost his earlier distaste for capital-intensive businesses. Like other mature, successful businesses, Berkshire generates so much cash that deploying it all in high-growth investment opportunities is a stretch even for Mr. Buffett.
...Large, utility-like businesses offer what Mr. Buffett calls "decent" returns on a bigger slug of capital than higher-risk, potentially spectacular returns on smaller investments.
Jeff Matthews, author of "Pilgrimage to Warren Buffett's Omaha," reckons Berkshire is becoming more of a "widows and orphans" stock, with the investment case resting less on the alchemy of Mr. Buffett's stock picking. Less exciting, perhaps, but necessary if Berkshire is to carry on after America's most famous investor hangs up his spurs. Source: http://online.wsj.com/article/SB10001424052748703431604575095743489061252.html?mod=WSJ_Markets_section_Heard#articleTabs%3Darticle
Make it easier for people to do business with you. One of the reasons the shareholder's letter was a "freshman's orientation session" was because they added over 100,000 new shareholders during the year.
If you bought an advisor's book of business you would want to communicate the basics of doing business with you: communication channels. annual reviews, etc. If you added 10 new clients per living trust seminar, you'd have over 100 new clients at the end of the year. Never assume they know the in's and out's of doing business with you or how you invest or how you do financial planning.
Berthshire also did a 50 to 1 stock split to lower the share price of the B shares. A lower price means more people can buy a hundred shares. Plus they'll be added to the S&P 500 in a few months which means people will buy them when they buy the S&P 500 index.
Perhaps you only accept new clients with a minimum of $500,000 of investable assets. You could add a junior planner and lower your minimum to $250,000. This effectively lowers your "price" and makes it easier for more people to do business with you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Lessons from Warren Buffett
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 505
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/505-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/505-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-05 05:55:54
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it. In the very first paragraph, he touts fabulous results for the past year:
Our gain in net worth during 2009 was $21.8 billion, which increased the per-share book value of both our Class A and Class B stock by 19.8%. Over the last 45 years (that is, since present management took over) book value has grown from $19 to $84,487, a rate of 20.3% compounded annually.*
I realize that past performance is no guarantee of future performance, but 20.3% for 45 years! Let's be thankful Berkshire is a public company so we can watch what Warren Buffett does and learn from a master. The Wall Street Journal aptly summarized results and investment philosophy:
On Saturday, Mr. Buffett's Berkshire Hathaway reported that net earnings rocketed 61% last year to $5,193 per share, while book value jumped 20% to a record high. Berkshire's Class A shares, which slumped to nearly $70,000 last year, have rebounded to $120,000.
Those bets on GE and Goldman? They've made billions so far. And anyone who took Mr. Buffett's advice and invested in the stock market in October 2008, even through a simple index fund, is up about 25%.
This is nothing new, of course. Anyone who held a $10,000 stake in Berkshire Hathaway at the start of 1965 has about $80 million today.
How does he do it? Mr. Buffett explained his beliefs to new investors in his letter to stockholders Saturday:
Stay liquid. "We will never become dependent on the kindness of strangers," he wrote. "We will always arrange our affairs so that any requirements for cash we may conceivably have will be dwarfed by our own liquidity. Moreover, that liquidity will be constantly refreshed by a gusher of earnings from our many and diverse businesses."
Buy when everyone else is selling. "We've put a lot of money to work during the chaos of the last two years. It's been an ideal period for investors: A climate of fear is their best friend ... Big opportunities come infrequently. When it's raining gold, reach for a bucket, not a thimble."
Don't buy when everyone else is buying. "Those who invest only when commentators are upbeat end up paying a heavy price for meaningless reassurance," Mr. Buffett wrote. The obvious corollary is to be patient. You can only buy when everyone else is selling if you have held your fire when everyone was buying.
Value, value, value. "In the end, what counts in investing is what you pay for a business-through the purchase of a small piece of it in the stock market-and what that business earns in the succeeding decade or two."
Don't get suckered by big growth stories. Mr. Buffett reminded investors that he and Berkshire Vice Chairman Charlie Munger "avoid businesses whose futures we can't evaluate, no matter how exciting their products may be."
Most investors who bet on the auto industry in 1910, planes in 1930 or TV makers in 1950 ended up losing their shirts, even though the products really did change the world. "Dramatic growth" doesn't always lead to high profit margins and returns on capital. China, anyone?
Understand what you own. "Investors who buy and sell based upon media or analyst commentary are not for us," Mr. Buffett wrote.
"We want partners who join us at Berkshire because they wish to make a long-term investment in a business they themselves understand and because it's one that follows policies with which they concur."
Defense beats offense. "Though we have lagged the S&P in some years that were positive for the market, we have consistently done better than the S&P in the eleven years during which it delivered negative results. In other words, our defense has been better than our offense, and that's likely to continue." All timely advice from Mr. Buffett for turbulent times.
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
A 2008 academic study of Berkshire over a 30-year period attempted to uncover the secret of Warren Buffett's success. And recommended just imitating a winning investment strategy.
Imitation is the Sincerest Form of Flattery: Warren Buffett and Berkshire Hathaway
Gerald S. Martin, American University - Kogod School of Business
John Puthenpurackal, University of Nevada, Las Vegas - Department of Finance
April 15, 2008
Abstract:
We analyze Berkshire Hathaway's equity portfolio over the 1976 to 2006 period and explore potential explanations for its superior performance. Contrary to popular belief, we find Berkshire Hathaway invests primarily in large-cap growth rather than "value" stocks.
Over the period the portfolio beat the benchmarks in 27 out of 31 years, on average exceeding the S&P 500 Index by 11.14%, the value-weighted index of all stocks by 10.92%, and a Fama and French characteristic-based portfolio by 8.56% per year. Although beating the market in all but four years can statistically happen due to chance, incorporating the magnitude by which the portfolio beats the market makes a luck explanation extremely unlikely even after taking into account ex-post selection bias.
We find that Berkshire Hathaway's portfolio is concentrated in relatively few stocks with the top five holdings averaging 73% of the portfolio value. While increased volatility is normally associated with higher concentration we show the volatility of the portfolio is driven by large positive returns and not downside risk. The market appears to under-react to the news of a Berkshire Hathaway stock investment since a hypothetical portfolio that mimics the investments at the beginning of the following month after they are publicly disclosed also earns significantly positive abnormal returns of 10.75% over the S&P 500 Index.
Our evidence suggests the Berkshire Hathaway triumvirates of Warren Buffett, Charles Munger, and Lou Simpson posses' investment skill unlikely to be explained by Efficient Market Theory.
Source:
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=806246&rec=1&srcabs=1005564
To be blunt about it, Warren Buffett demolished the Efficient Market Theory.
You can read the rest of the study if you like. Time is short so let's look at the Wall Street Journal's summary from a 3/1/2010 report:
It might not be practical to buy all of Buffett’s holdings. He owns 40 stocks and many of them are tiny positions. Here are two other approaches investors can take:
Slightly speculative: Buy the stocks Buffett is increasing his positions in. The idea is you can get in at prices similar to Buffett and it might be the stocks he feels most strongly about right now.
This past quarter:
Republic Services (RSG): Buffett increased his holdings by 129%Market Folly summarizes the increases and decreases here.
The “Buffett Aristocrats”: The S&P publishes a list of its dividend aristocrats - stocks that have increased their dividends for more than 25 years in a row. Buffett owns a basket of these, which I call the Buffett Aristocrats. These might be solid plays both for the income (since you can feel comfortable that they will probably increase, or at least keep, their dividends in the future) and capital appreciation (all of these companies have done well over time and, besides, Buffett likes them):
BDX - has increased its dividend for 37 years in a row. 1.9% dividend
KO - 47 years - 3.3% yield
LOW - 47 years - 1.5%
*PG - 53 years - 2.8%
WMT - 35 years - 2%
*XOM - 27 years - 2.6%
*JNJ - 47 years - 3.1%
* Buffett reduced his position this past quarter
Source: http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
Well there you have it. Go and do likewise!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it. In the very first paragraph, he touts fabulous results for the past year:
Our gain in net worth during 2009 was $21.8 billion, which increased the per-share book value of both our Class A and Class B stock by 19.8%. Over the last 45 years (that is, since present management took over) book value has grown from $19 to $84,487, a rate of 20.3% compounded annually.*
I realize that past performance is no guarantee of future performance, but 20.3% for 45 years! Let's be thankful Berkshire is a public company so we can watch what Warren Buffett does and learn from a master. The Wall Street Journal aptly summarized results and investment philosophy:
On Saturday, Mr. Buffett's Berkshire Hathaway reported that net earnings rocketed 61% last year to $5,193 per share, while book value jumped 20% to a record high. Berkshire's Class A shares, which slumped to nearly $70,000 last year, have rebounded to $120,000.
Those bets on GE and Goldman? They've made billions so far. And anyone who took Mr. Buffett's advice and invested in the stock market in October 2008, even through a simple index fund, is up about 25%.
This is nothing new, of course. Anyone who held a $10,000 stake in Berkshire Hathaway at the start of 1965 has about $80 million today.
How does he do it? Mr. Buffett explained his beliefs to new investors in his letter to stockholders Saturday:
Stay liquid. "We will never become dependent on the kindness of strangers," he wrote. "We will always arrange our affairs so that any requirements for cash we may conceivably have will be dwarfed by our own liquidity. Moreover, that liquidity will be constantly refreshed by a gusher of earnings from our many and diverse businesses."
Buy when everyone else is selling. "We've put a lot of money to work during the chaos of the last two years. It's been an ideal period for investors: A climate of fear is their best friend ... Big opportunities come infrequently. When it's raining gold, reach for a bucket, not a thimble."
Don't buy when everyone else is buying. "Those who invest only when commentators are upbeat end up paying a heavy price for meaningless reassurance," Mr. Buffett wrote. The obvious corollary is to be patient. You can only buy when everyone else is selling if you have held your fire when everyone was buying.
Value, value, value. "In the end, what counts in investing is what you pay for a business-through the purchase of a small piece of it in the stock market-and what that business earns in the succeeding decade or two."
Don't get suckered by big growth stories. Mr. Buffett reminded investors that he and Berkshire Vice Chairman Charlie Munger "avoid businesses whose futures we can't evaluate, no matter how exciting their products may be."
Most investors who bet on the auto industry in 1910, planes in 1930 or TV makers in 1950 ended up losing their shirts, even though the products really did change the world. "Dramatic growth" doesn't always lead to high profit margins and returns on capital. China, anyone?
Understand what you own. "Investors who buy and sell based upon media or analyst commentary are not for us," Mr. Buffett wrote.
"We want partners who join us at Berkshire because they wish to make a long-term investment in a business they themselves understand and because it's one that follows policies with which they concur."
Defense beats offense. "Though we have lagged the S&P in some years that were positive for the market, we have consistently done better than the S&P in the eleven years during which it delivered negative results. In other words, our defense has been better than our offense, and that's likely to continue." All timely advice from Mr. Buffett for turbulent times.
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
A 2008 academic study of Berkshire over a 30-year period attempted to uncover the secret of Warren Buffett's success. And recommended just imitating a winning investment strategy.
Imitation is the Sincerest Form of Flattery: Warren Buffett and Berkshire Hathaway
Gerald S. Martin, American University - Kogod School of Business
John Puthenpurackal, University of Nevada, Las Vegas - Department of Finance
April 15, 2008
Abstract:
We analyze Berkshire Hathaway's equity portfolio over the 1976 to 2006 period and explore potential explanations for its superior performance. Contrary to popular belief, we find Berkshire Hathaway invests primarily in large-cap growth rather than "value" stocks.
Over the period the portfolio beat the benchmarks in 27 out of 31 years, on average exceeding the S&P 500 Index by 11.14%, the value-weighted index of all stocks by 10.92%, and a Fama and French characteristic-based portfolio by 8.56% per year. Although beating the market in all but four years can statistically happen due to chance, incorporating the magnitude by which the portfolio beats the market makes a luck explanation extremely unlikely even after taking into account ex-post selection bias.
We find that Berkshire Hathaway's portfolio is concentrated in relatively few stocks with the top five holdings averaging 73% of the portfolio value. While increased volatility is normally associated with higher concentration we show the volatility of the portfolio is driven by large positive returns and not downside risk. The market appears to under-react to the news of a Berkshire Hathaway stock investment since a hypothetical portfolio that mimics the investments at the beginning of the following month after they are publicly disclosed also earns significantly positive abnormal returns of 10.75% over the S&P 500 Index.
Our evidence suggests the Berkshire Hathaway triumvirates of Warren Buffett, Charles Munger, and Lou Simpson posses' investment skill unlikely to be explained by Efficient Market Theory.
Source:
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=806246&rec=1&srcabs=1005564
To be blunt about it, Warren Buffett demolished the Efficient Market Theory.
You can read the rest of the study if you like. Time is short so let's look at the Wall Street Journal's summary from a 3/1/2010 report:
It might not be practical to buy all of Buffett’s holdings. He owns 40 stocks and many of them are tiny positions. Here are two other approaches investors can take:
Slightly speculative: Buy the stocks Buffett is increasing his positions in. The idea is you can get in at prices similar to Buffett and it might be the stocks he feels most strongly about right now.
This past quarter:
Republic Services (RSG): Buffett increased his holdings by 129%Market Folly summarizes the increases and decreases here.
The “Buffett Aristocrats”: The S&P publishes a list of its dividend aristocrats - stocks that have increased their dividends for more than 25 years in a row. Buffett owns a basket of these, which I call the Buffett Aristocrats. These might be solid plays both for the income (since you can feel comfortable that they will probably increase, or at least keep, their dividends in the future) and capital appreciation (all of these companies have done well over time and, besides, Buffett likes them):
BDX - has increased its dividend for 37 years in a row. 1.9% dividend
KO - 47 years - 3.3% yield
LOW - 47 years - 1.5%
*PG - 53 years - 2.8%
WMT - 35 years - 2%
*XOM - 27 years - 2.6%
*JNJ - 47 years - 3.1%
* Buffett reduced his position this past quarter
Source: http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
Well there you have it. Go and do likewise!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons looks at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons looks at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In a previous article, we looked at Warren Buffett's Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors.
Now let's review the letter again and get some investment insights from it.
http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
http://online.wsj.com/article/SB10001424052748704754604575095343201232062.html?mod=WSJ_Deals_LEFTTopNews
http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In a previous article, we looked at Warren Buffett's Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors.
Now let's review the letter again and get some investment insights from it.
http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
http://online.wsj.com/article/SB10001424052748704754604575095343201232062.html?mod=WSJ_Deals_LEFTTopNews
http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Investment Lessons from Warren Buffett
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons for financial advisors.
Create an Event. Warren Buffett receives tons of free publicity before, during, and after his eagerly anticipated letter to shareholders is released each year.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener this year."
Do your event every year and you'll get lots of publicity from it.
Be Consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow. Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
Keep Your Brand Fresh. Being consistent in your marketing doesn't mean never change anything. In today's Heard on the Street column in the Wall Street Journal, Liam Denning writes that
Warren Buffett's latest shareholder letter can be summed up thusly: This isn't your father's Berkshire Hathaway.
The chairman's letter was billed, in part, as a "freshman orientation session" for Burlington Northern Santa Fe shareholders receiving Berkshire stock in connection with November's acquisition. Those investors thinking of buying a slice of Mr. Buffett's genius now that Berkshire's "B" shares reside in Standard & Poor's 500-stock index should join the class.
Mr. Buffett says he has lost his earlier distaste for capital-intensive businesses. Like other mature, successful businesses, Berkshire generates so much cash that deploying it all in high-growth investment opportunities is a stretch even for Mr. Buffett.
...Large, utility-like businesses offer what Mr. Buffett calls "decent" returns on a bigger slug of capital than higher-risk, potentially spectacular returns on smaller investments.
Jeff Matthews, author of "Pilgrimage to Warren Buffett's Omaha," reckons Berkshire is becoming more of a "widows and orphans" stock, with the investment case resting less on the alchemy of Mr. Buffett's stock picking. Less exciting, perhaps, but necessary if Berkshire is to carry on after America's most famous investor hangs up his spurs. Source: http://online.wsj.com/article/SB10001424052748703431604575095743489061252.html?mod=WSJ_Markets_section_Heard#articleTabs%3Darticle
Make it easier for people to do business with you. One of the reasons the shareholder's letter was a "freshman's orientation session" was because they added over 100,000 new shareholders during the year.
If you bought an advisor's book of business you would want to communicate the basics of doing business with you: communication channels. annual reviews, etc. If you added 10 new clients per living trust seminar, you'd have over 100 new clients at the end of the year. Never assume they know the in's and out's of doing business with you or how you invest or how you do financial planning.
Berthshire also did a 50 to 1 stock split to lower the share price of the B shares. A lower price means more people can buy a hundred shares. Plus they'll be added to the S&P 500 in a few months which means people will buy them when they buy the S&P 500 index.
Perhaps you only accept new clients with a minimum of $500,000 of investable assets. You could add a junior planner and lower your minimum to $250,000. This effectively lowers your "price" and makes it easier for more people to do business with you.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons for financial advisors.
Create an Event. Warren Buffett receives tons of free publicity before, during, and after his eagerly anticipated letter to shareholders is released each year.
What can a financial advisor do? Every April 15th, taxpayers line up at the post office to file their income taxes. You can provide them with hot coffee and cookies. Be sure to tip off your local newspaper about this special "tax relief" effort. Or perhaps there's an annual charity auction in your town. Donate a free pair of hearing aids and say that "My clients say I'm a good listener and appreciate hearing my financial advice. Let me help someone become a better listener this year."
Do your event every year and you'll get lots of publicity from it.
Be Consistent. Warren Buffett writes this shareholder letter every year. Not just in the good years. And he always presents an image of consistent, Midwestern, and reliable investing. You can't change your branding message and targeted clientele very often or you'll appear to be appeal to everyone and noone at the same time. Here's how a blogger for the Wall Street Journal describes this,
Every few years, critics say Warren Buffett has lost his touch. He's too old and too old-fashioned, they claim. He doesn't get it anymore. This time he's wrong.
It happened during the dotcom bubble, when Mr. Buffett was mocked for refusing to join the party. And it happened again last year. As the Dow tumbled below 7,000, Mr. Buffett came under fire for having jumped into the crisis too early and too boldly, making big bets on Goldman Sachs and General Electric during the fall of 2008, and urging the public to plunge into shares.
Now it's time for those critics to sit down for their traditional three course meal: humble pie, their own words and crow. Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
Keep Your Brand Fresh. Being consistent in your marketing doesn't mean never change anything. In today's Heard on the Street column in the Wall Street Journal, Liam Denning writes that
Warren Buffett's latest shareholder letter can be summed up thusly: This isn't your father's Berkshire Hathaway.
The chairman's letter was billed, in part, as a "freshman orientation session" for Burlington Northern Santa Fe shareholders receiving Berkshire stock in connection with November's acquisition. Those investors thinking of buying a slice of Mr. Buffett's genius now that Berkshire's "B" shares reside in Standard & Poor's 500-stock index should join the class.
Mr. Buffett says he has lost his earlier distaste for capital-intensive businesses. Like other mature, successful businesses, Berkshire generates so much cash that deploying it all in high-growth investment opportunities is a stretch even for Mr. Buffett.
...Large, utility-like businesses offer what Mr. Buffett calls "decent" returns on a bigger slug of capital than higher-risk, potentially spectacular returns on smaller investments.
Jeff Matthews, author of "Pilgrimage to Warren Buffett's Omaha," reckons Berkshire is becoming more of a "widows and orphans" stock, with the investment case resting less on the alchemy of Mr. Buffett's stock picking. Less exciting, perhaps, but necessary if Berkshire is to carry on after America's most famous investor hangs up his spurs. Source: http://online.wsj.com/article/SB10001424052748703431604575095743489061252.html?mod=WSJ_Markets_section_Heard#articleTabs%3Darticle
Make it easier for people to do business with you. One of the reasons the shareholder's letter was a "freshman's orientation session" was because they added over 100,000 new shareholders during the year.
If you bought an advisor's book of business you would want to communicate the basics of doing business with you: communication channels. annual reviews, etc. If you added 10 new clients per living trust seminar, you'd have over 100 new clients at the end of the year. Never assume they know the in's and out's of doing business with you or how you invest or how you do financial planning.
Berthshire also did a 50 to 1 stock split to lower the share price of the B shares. A lower price means more people can buy a hundred shares. Plus they'll be added to the S&P 500 in a few months which means people will buy them when they buy the S&P 500 index.
Perhaps you only accept new clients with a minimum of $500,000 of investable assets. You could add a junior planner and lower your minimum to $250,000. This effectively lowers your "price" and makes it easier for more people to do business with you.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Lessons from Warren Buffett
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Warren Buffet released Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons for financial advisors.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Warren Buffet released Berkshire Hathaway's annual shareholder letter on Saturday. Let's look at this letter and draw some marketing lessons for financial advisors.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it.
http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
http://online.wsj.com/article/SB10001424052748704754604575095343201232062.html?mod=WSJ_Deals_LEFTTopNews
http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it.
http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
http://online.wsj.com/article/SB10001424052748704754604575095343201232062.html?mod=WSJ_Deals_LEFTTopNews
http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this article, Richard Emmons takes a la previous article, we looked at Warren Buffett's Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this article, Richard Emmons takes a la previous article, we looked at Warren Buffett's Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it.
http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
http://online.wsj.com/article/SB10001424052748704754604575095343201232062.html?mod=WSJ_Deals_LEFTTopNews
http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it.
http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
http://online.wsj.com/article/SB10001424052748704754604575095343201232062.html?mod=WSJ_Deals_LEFTTopNews
http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this article, Richard Emmons takes a look at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this article, Richard Emmons takes a look at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
You can see Harry Markopolos interviewed on this 8 minute segment from yesterday's Today Show.
Visit msnbc.com for breaking news , world news , and news about the economy
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
You can read a 10-year timeline at Amazon.com: No One Would Listen: A True Financial Thriller Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
You can see Harry Markopolos interviewed on this 8 minute segment from yesterday's Today Show.
Visit msnbc.com for breaking news , world news , and news about the economy
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
You can read a 10-year timeline at Amazon.com: No One Would Listen: A True Financial Thriller Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Madoff whistle-blower: ‘No One Would Listen’
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Madoff whistle-blower: ‘No One Would Listen’
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/520-revision/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Compliance and the Madoff whistle-blower's book: ‘No One Would Listen’
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Compliance and the Madoff whistle-blower's book: ‘No One Would Listen’
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. Here's an excerpt from the Today show's website....
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. Here's an excerpt from the Today show's website....
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/520-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/520-revision-2/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: More light has been shed on the Bernie Madoff Ponzi scheme with the publication of "No One Would Listen." This book focuses it's ire on the SEC who completely missed the Madoff Ponzi despite being warned in advance and in time to prevent billions of dollars in losses.
This writer agreed with Harry Markopolos's conclusion is that "we shouldn't trust the government."
Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: More light has been shed on the Bernie Madoff Ponzi scheme with the publication of "No One Would Listen." This book focuses it's ire on the SEC who completely missed the Madoff Ponzi despite being warned in advance and in time to prevent billions of dollars in losses.
This writer agreed with Harry Markopolos's conclusion is that "we shouldn't trust the government."
Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Compliance and the Madoff whistle-blower's book: ‘No One Would Listen’
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. Here's an excerpt from the Today show's website....
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. Here's an excerpt from the Today show's website....
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: More light has been shed on the Bernie Madoff Ponzi scheme with the publication of "No One Would Listen." This book focuses it's ire on the SEC who completely missed the Madoff Ponzi despite being warned in advance and in time to prevent billions of dollars in losses.
This writer agreed with Harry Markopolos's conclusion is that "we shouldn't trust the government."
Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
Conclusions? Yes, you need to follow your compliance departments directives. No, your clients should not trust the government to protect their interests. And if any investment seems too good to be true, it probably is and you shouldn't invest your clients money in it.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: More light has been shed on the Bernie Madoff Ponzi scheme with the publication of "No One Would Listen." This book focuses it's ire on the SEC who completely missed the Madoff Ponzi despite being warned in advance and in time to prevent billions of dollars in losses.
This writer agreed with Harry Markopolos's conclusion is that "we shouldn't trust the government."
Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
Conclusions? Yes, you need to follow your compliance departments directives. No, your clients should not trust the government to protect their interests. And if any investment seems too good to be true, it probably is and you shouldn't invest your clients money in it.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Compliance and the Madoff whistle-blower's book: ‘No One Would Listen’
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Compliance and the Madoff whistle-blower's book: ‘No One Would Listen’
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. Here's an excerpt from the Today show's website....
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. Here's an excerpt from the Today show's website....
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/520-revision-4/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
Conclusions? Yes, you need to follow your compliance departments directives. No, your clients should not trust the government to protect their interests. And if any investment seems too good to be true, it probably is and you shouldn't invest your clients money in it.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
Conclusions? Yes, you need to follow your compliance departments directives. No, your clients should not trust the government to protect their interests. And if any investment seems too good to be true, it probably is and you shouldn't invest your clients money in it.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Compliance and the Madoff whistle-blower's book: ‘No One Would Listen’
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Compliance and the Madoff whistle-blower's book: ‘No One Would Listen’
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: More light has been shed on the Bernie Madoff Ponzi scheme with the publication of "No One Would Listen." Harry Markopolos's book focuses it's ire on the SEC who completely missed the Madoff Ponzi despite being warned in advance and in time to prevent billions of dollars in losses.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: More light has been shed on the Bernie Madoff Ponzi scheme with the publication of "No One Would Listen." Harry Markopolos's book focuses it's ire on the SEC who completely missed the Madoff Ponzi despite being warned in advance and in time to prevent billions of dollars in losses.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 520-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 520-revision-5
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-01 21:36:11
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/520-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/520-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-01 21:37:11
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
Conclusions? Yes, you need to follow your compliance departments directives. No, your clients should not trust the government to protect their interests. And if any investment seems too good to be true, it probably is and you shouldn't invest your clients money in it.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
Conclusions? Yes, you need to follow your compliance departments directives. No, your clients should not trust the government to protect their interests. And if any investment seems too good to be true, it probably is and you shouldn't invest your clients money in it.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Compliance and the Madoff whistle-blower's book: ‘No One Would Listen’
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Compliance and the Madoff whistle-blower's book: ‘No One Would Listen’
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: More light has been shed on the Bernie Madoff Ponzi scheme with the publication of "No One Would Listen." Harry Markopolos's book focuses it's ire on the SEC who completely missed the Madoff Ponzi despite being warned in advance and in time to prevent billions of dollars in losses.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: More light has been shed on the Bernie Madoff Ponzi scheme with the publication of "No One Would Listen." Harry Markopolos's book focuses it's ire on the SEC who completely missed the Madoff Ponzi despite being warned in advance and in time to prevent billions of dollars in losses.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 520-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 520-revision-6
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 520
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 520
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/520-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/520-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
Conclusions? Yes, you need to follow your compliance departments directives. No, your clients should not trust the government to protect their interests. And if any investment seems too good to be true, it probably is and you shouldn't invest your clients money in it.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
Conclusions? Yes, you need to follow your compliance departments directives. No, your clients should not trust the government to protect their interests. And if any investment seems too good to be true, it probably is and you shouldn't invest your clients money in it.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Compliance and the Madoff whistle-blower's book: ‘No One Would Listen’ by Harry Markopolos
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Compliance and the Madoff whistle-blower's book: ‘No One Would Listen’ by Harry Markopolos
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: More light has been shed on the Bernie Madoff Ponzi scheme with the publication of "No One Would Listen." Harry Markopolos's book focuses it's ire on the SEC who completely missed the Madoff Ponzi despite being warned in advance and in time to prevent billions of dollars in losses.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: More light has been shed on the Bernie Madoff Ponzi scheme with the publication of "No One Would Listen." Harry Markopolos's book focuses it's ire on the SEC who completely missed the Madoff Ponzi despite being warned in advance and in time to prevent billions of dollars in losses.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/520-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/520-revision-9/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
Conclusions? Yes, you need to follow your compliance departments directives. No, your clients should not trust the government to protect their interests. And if any investment seems too good to be true, it probably is and you shouldn't invest your clients money in it.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
Conclusions? Yes, you need to follow your compliance departments directives. No, your clients should not trust the government to protect their interests. And if any investment seems too good to be true, it probably is and you shouldn't invest your clients money in it.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Compliance and the Madoff whistle-blower's book: ‘No One Would Listen’ by Harry Markopolos
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Compliance and the Madoff whistle-blower's book: ‘No One Would Listen’ by Harry Markopolos
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: More light has been shed on the Bernie Madoff Ponzi scheme with the publication of "No One Would Listen." Harry Markopolos's book focuses it's ire on the SEC who completely missed the Madoff Ponzi despite being warned in advance and in time to prevent billions of dollars in losses.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: More light has been shed on the Bernie Madoff Ponzi scheme with the publication of "No One Would Listen." Harry Markopolos's book focuses it's ire on the SEC who completely missed the Madoff Ponzi despite being warned in advance and in time to prevent billions of dollars in losses.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/520-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/520-revision-7/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
Conclusions? Yes, you need to follow your compliance departments directives. No, your clients should not trust the government to protect their interests. And if any investment seems too good to be true, it probably is and you shouldn't invest your clients money in it.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
Conclusions? Yes, you need to follow your compliance departments directives. No, your clients should not trust the government to protect their interests. And if any investment seems too good to be true, it probably is and you shouldn't invest your clients money in it.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Compliance and the Madoff whistle-blower's book: ‘No One Would Listen’ by Harry Markopolos
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Compliance and the Madoff whistle-blower's book: ‘No One Would Listen’ by Harry Markopolos
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: More light has been shed on the Bernie Madoff Ponzi scheme with the publication of "No One Would Listen." Harry Markopolos's book focuses it's ire on the SEC who completely missed the Madoff Ponzi despite being warned in advance and in time to prevent billions of dollars in losses.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: More light has been shed on the Bernie Madoff Ponzi scheme with the publication of "No One Would Listen." Harry Markopolos's book focuses it's ire on the SEC who completely missed the Madoff Ponzi despite being warned in advance and in time to prevent billions of dollars in losses.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
You can see Harry Markopolos interviewed on this 8 minute segment from yesterday's Today Show.
Visit msnbc.com for breaking news , world news , and news about the economy
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
You can read a 10-year timeline at Amazon.com: No One Would Listen: A True Financial Thriller Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
You can see Harry Markopolos interviewed on this 8 minute segment from yesterday's Today Show.
Visit msnbc.com for breaking news , world news , and news about the economy
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
You can read a 10-year timeline at Amazon.com: No One Would Listen: A True Financial Thriller Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
Conclusions? Yes, you need to follow your compliance departments directives. No, your clients should not trust the government to protect their interests. And if any investment seems too good to be true, it probably is and you shouldn't invest your clients money in it.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
Conclusions? Yes, you need to follow your compliance departments directives. No, your clients should not trust the government to protect their interests. And if any investment seems too good to be true, it probably is and you shouldn't invest your clients money in it.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Compliance and the Madoff whistle-blower's book: ‘No One Would Listen’ by Harry Markopolos
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: More light has been shed on the Bernie Madoff Ponzi scheme with the publication of "No One Would Listen." Harry Markopolos's book focuses it's ire on the SEC who completely missed the Madoff Ponzi despite being warned in advance and in time to prevent billions of dollars in losses.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: More light has been shed on the Bernie Madoff Ponzi scheme with the publication of "No One Would Listen." Harry Markopolos's book focuses it's ire on the SEC who completely missed the Madoff Ponzi despite being warned in advance and in time to prevent billions of dollars in losses.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
You can read a 10-year timeline at Amazon.com: No One Would Listen: A True Financial Thriller Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
You can read a 10-year timeline at Amazon.com: No One Would Listen: A True Financial Thriller Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
You can read a 10-year timeline at Amazon.com: No One Would Listen: A True Financial Thriller Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
You can read a 10-year timeline at Amazon.com: No One Would Listen: A True Financial Thriller Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
You can see Harry Markopolos interviewed on this 8 minute segment from yesterday's Today Show.
Visit msnbc.com for breaking news , world news , and news about the economy
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
You can read a 10-year timeline at Amazon.com: No One Would Listen: A True Financial Thriller Writes Andrew Fitzgerald:
My wife had the Today Show on this morning to which I usually don’t pay any attention, but Matt Lauer was interviewing Harry Markopolos who I had seen interviewed before on Frontline. Markopolos was a competing trader tasked with figuring out Madoff’s secret to such great returns. He said that he conclusively determined his operation to be a fraud in 30 minutes and over the next several years informed the SEC four separate times. He said that the big problem with the SEC was that they’re staffed with lawyers who don’t know anything about money and investigating. I remember in the Frontline piece he said that it would have been easy enough for the SEC to contact every broker on the NYSE and find that none had ever placed a trade for Madoff.
The great parts of his interview this morning were when Lauer questioned him about his fears of being threatened by Madoff. Markopolos said that he bought a gun and if he were personally threatened by Madoff he planned to kill him since, “it was either him or me.” Lauer looks at him quizzically asking how he would explain that to law enforcement. Markopolos, who doesn’t exactly look like a Charles Bronson vigilante, said “well I’d hope not to get caught. I certainly had some good Army training, and it was really him or me. I had a family to protect. The government wasn’t protecting me; they were not doing their jobs, and I felt forced into a rather difficult moral dilemma.” Lauer ends the interview by asking him what lessons should investors learn from this mess. He answers, “don’t trust your government.”
I felt the whole interview had a great libertarian ring to it, with our government budget going to no good purpose except possibly training a would-be vigilante and the regulatory agency being warned repeatedly about the greatest private fraud in American history to no effect. Source: http://www.lewrockwell.com/blog/lewrw/archives/52150.html
You can see Harry Markopolos interviewed on this 8 minute segment from yesterday's Today Show.
Visit msnbc.com for breaking news , world news , and news about the economy
Here's a book excerpt from the Today Show's website:
Harry Markopolos on investigating one of the biggest frauds in history
TODAY books, updated 7:01 a.m. PT, Mon., March. 1, 2010
Harry Markopolos is the whistle-blower who uncovered Bernie Madoff’s Ponzi scheme 10 years before the rest of the world learned of the biggest financial crime in history. While a lot has been written about Madoff’s scam, few actually know the dramatic details of how Markopolos and a small group of sleuths went about investigating the fraud that reached around the globe. In “No One Would Listen,” Markopolos shares his story. An excerpt.
On the morning of December 11, 2008, a New York real estate developer on a JetBlue flight from New York to Los Angeles was watching CNBC on the small seat-back television. A crawl across the bottom of the screen reported that Bernard Madoff, a legendary Wall Street figure and the former chairman of NASDAQ had been arrested for running the largest Ponzi scheme in history. The developer sat silently for several seconds, absorbing that news. No, that couldn’t be right, he thought, but the message streamed across the screen again. Turning to his wife, he said that he knew that she wasn’t going to believe what he was about to tell her, but apparently Bernie Madoff was a crook and the millions of dollars that they had invested with him were lost. He was right — she didn’t believe him. Instead, she waved off the thought. “That’s not possible,” she said, and returned to the magazine she was reading.
The stunned developer stood up and walked to the rear of the plane, where the flight attendants had gathered in the galley. “Excuse me,” he said politely, “but I’m going to be leaving now. So would you please open the door for me? And don’t worry — I won’t need a parachute.”
At about 5:15 that December afternoon, I was at the local dojo in my small New England town watching my five-year-old twin boys trying to master the basic movements of karate. It had been a gloomy day. Rain continued intermittently, and there was a storm in the air. I noticed there were several voice mails on my cell phone. That’s curious, I thought; I hadn’t felt it vibrate. I stepped into the foyer to retrieve the messages. The first one was from a good friend named Dave Henry, who was managing a considerable amount of money as chief investment officer of DKH Investments in Boston. “Harry,” his message said clearly, “Madoff is in federal custody for running a Ponzi scheme. He’s under arrest in New York. Call me.” My heart started racing. The second message was also from a close friend, Andre Mehta, a super-quant who is a managing director of alternative investments at Cambridge Associates, a consultant to pension plans and endowments. I could hear the excitement in Andre’s voice as he said, “You were right. The news is hitting. Madoff’s under arrest. It looks like he was running a huge Ponzi scheme. It’s all over Bloomberg. Call me and I’ll read it to you. Congratulations.”
I was staggered. For several years I’d been living under a death sentence, terrified that my pursuit of Madoff would put my family and me in jeopardy. Billions of dollars were at stake, and apparently some of that money belonged to the Russian mafia and the drug cartels — people who would kill to protect their investments. And I knew all about Peter Scannell, a Boston whistleblower who had been beaten nearly to death with a brick simply for complaining about a million-dollar market-timing scam. So I wouldn’t start my car without first checking under the chassis and in the wheel wells. At night I walked away from shadows and I slept with a loaded gun nearby; and suddenly, instantly and unexpectedly, it was over. Finally, it was over. They’d gotten Madoff. I raised my fist high in the air and screamed to myself, “Yes!” My family was safe. Then I collapsed over a wooden railing. I had to grab hold of it to prevent myself from falling. I could barely breathe. In less time than the snap of my fingers I had gone from being supercharged with energy to being completely drained.
The first thing I wanted to do was return those calls. I needed to know every detail. It was only when I tried to punch in the numbers that I discovered how badly my hand was shaking. I called Dave back and he told me that the media was reporting that Bernie Madoff had confessed to his two sons that his multibillion-dollar investment firm was a complete fraud. There were no investments, he had told them; there never had been. Instead, for more than two decades, he had been running the largest Ponzi scheme in history. His sons had immediately informed the Federal Bureau of Investigation (FBI), and agents had shown up at Madoff’s apartment early that morning and arrested him. They’d taken him out in handcuffs. It looked like many thousands of people had lost billions of dollars.
It was exactly as I had warned the government of the United States approximately $55 billion earlier. And as I stood in the lobby of that dojo, my sense of relief was replaced by a new concern. The piles of documents I had in my possession would destroy reputations, end careers, and perhaps even bring down the entire Securities and Exchange Commission (SEC), the government’s Wall Street watchdog — unless, of course, the government got to those documents before I could get them published. I grabbed my kids and raced home.
My name is Harry Markopolos. It’s Greek. I’m a Chartered Financial Analyst and Certified Fraud Examiner, which makes me a proud Greek geek. And this, then, is the complete story of how my team failed to stop the greatest financial crime in history, Bernie Madoff’s Ponzi scheme. For the previous nine years I had been working secretly with three highly motivated men who worked in various positions in the financial industry to bring the Bernie Madoff fraud to the attention of the SEC. We had invested countless hours and risked our lives, and had saved no one — although eventually, after Madoff’s collapse, we would succeed in exposing the SEC as one of this nation’s most incompetent financial regulators.
For example, it was well known that Madoff operated his legitimate broker-dealer business on the 18th and 19th floors of the Lipstick Building on New York’s East Side. But what was not generally known was that his money management company, the fraud, was located on the 17th floor of that building. Months after Madoff’s collapse, the FBI would reveal to my team that based on our 2005 submission providing evidence that Madoff was running a Ponzi scheme, the SEC finally launched an investigation — but that its crack investigative team during the two-year-long investigation “never even figured out there was a 17th floor.” I had provided all the evidence they needed to close down Madoff — and they couldn’t find an entire floor. Instead they issued three technical deficiency notices of minor violations to Madoff’s broker-dealer arm. Now, that really is setting a pretty low bar for other government agencies to beat. But sadly, all of this nation’s financial regulators — the Federal Reserve Bank, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, and the Office of Thrift Supervision — are at best incompetent and at worst captive to the companies they are supposed to regulate. As I would later testify before Congress, “The SEC roars like a mouse and bites like a flea.” In retrospect, considering how much I have learned since then, and how much my team has learned, that probably was inaccurate: I was being too kind. Tens of thousands of lives have been changed forever because of the SEC’s failure. Countless people who relied on that agency for the promised protection have lost more than can ever be recovered. In some cases people lost everything they owned. And truthfully, the SEC didn’t even need to conduct an extensive investigation. My team had given them everything they needed. With the materials we submitted, it would have taken investigators no more than the time it took to ask Madoff three questions for his fraud to be discovered and his operation to be shut down. The magnitude of this Ponzi scheme is matched only by the willful blindness of the SEC to investigate Madoff.
Excerpted from "No One Would Listen," by Harry Markopolos. Copyright (c) 2010, reprinted with permission from Wiley.
Source: http://today.msnbc.msn.com/id/35606057/ns/today-today_books/
You can read a 10-year timeline at Amazon.com: No One Would Listen: A True Financial Thriller Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it.
http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
http://online.wsj.com/article/SB10001424052748704754604575095343201232062.html?mod=WSJ_Deals_LEFTTopNews
http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it.
http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
http://online.wsj.com/article/SB10001424052748704754604575095343201232062.html?mod=WSJ_Deals_LEFTTopNews
http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this article, Richard Emmons takes a look at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this article, Richard Emmons takes a look at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/515-revision-4/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it.
http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
http://online.wsj.com/article/SB10001424052748704754604575095343201232062.html?mod=WSJ_Deals_LEFTTopNews
http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it.
http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
http://online.wsj.com/article/SB10001424052748704754604575095343201232062.html?mod=WSJ_Deals_LEFTTopNews
http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this article, Richard Emmons takes a look at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this article, Richard Emmons takes a look at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it.
Source: http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
Source: http://online.wsj.com/article/SB10001424052748704754604575095343201232062.html?mod=WSJ_Deals_LEFTTopNews
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it.
Source: http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
Source: http://online.wsj.com/article/SB10001424052748704754604575095343201232062.html?mod=WSJ_Deals_LEFTTopNews
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this article, Richard Emmons takes a look at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this article, Richard Emmons takes a look at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/515-revision-6/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it. In the very first paragraph, he touts fabulous results for the past year:
Our gain in net worth during 2009 was $21.8 billion, which increased the per-share book value of both our Class A and Class B stock by 19.8%. Over the last 45 years (that is, since present management took over) book value has grown from $19 to $84,487, a rate of 20.3% compounded annually.*
I realize that past performance is no guarantee of future performance, but 20.3% for 45 years! Let's be thankful Berkshire is a public company so we can watch what Warren Buffett does and learn from a master. The Wall Street Journal aptly summarized results and investment philosophy:
On Saturday, Mr. Buffett's Berkshire Hathaway reported that net earnings rocketed 61% last year to $5,193 per share, while book value jumped 20% to a record high. Berkshire's Class A shares, which slumped to nearly $70,000 last year, have rebounded to $120,000.
Those bets on GE and Goldman? They've made billions so far. And anyone who took Mr. Buffett's advice and invested in the stock market in October 2008, even through a simple index fund, is up about 25%.
This is nothing new, of course. Anyone who held a $10,000 stake in Berkshire Hathaway at the start of 1965 has about $80 million today.
How does he do it? Mr. Buffett explained his beliefs to new investors in his letter to stockholders Saturday:
Stay liquid. "We will never become dependent on the kindness of strangers," he wrote. "We will always arrange our affairs so that any requirements for cash we may conceivably have will be dwarfed by our own liquidity. Moreover, that liquidity will be constantly refreshed by a gusher of earnings from our many and diverse businesses."
Buy when everyone else is selling. "We've put a lot of money to work during the chaos of the last two years. It's been an ideal period for investors: A climate of fear is their best friend ... Big opportunities come infrequently. When it's raining gold, reach for a bucket, not a thimble."
Don't buy when everyone else is buying. "Those who invest only when commentators are upbeat end up paying a heavy price for meaningless reassurance," Mr. Buffett wrote. The obvious corollary is to be patient. You can only buy when everyone else is selling if you have held your fire when everyone was buying.
Value, value, value. "In the end, what counts in investing is what you pay for a business-through the purchase of a small piece of it in the stock market-and what that business earns in the succeeding decade or two."
Don't get suckered by big growth stories. Mr. Buffett reminded investors that he and Berkshire Vice Chairman Charlie Munger "avoid businesses whose futures we can't evaluate, no matter how exciting their products may be."
Most investors who bet on the auto industry in 1910, planes in 1930 or TV makers in 1950 ended up losing their shirts, even though the products really did change the world. "Dramatic growth" doesn't always lead to high profit margins and returns on capital. China, anyone?
Understand what you own. "Investors who buy and sell based upon media or analyst commentary are not for us," Mr. Buffett wrote.
"We want partners who join us at Berkshire because they wish to make a long-term investment in a business they themselves understand and because it's one that follows policies with which they concur."
Defense beats offense. "Though we have lagged the S&P in some years that were positive for the market, we have consistently done better than the S&P in the eleven years during which it delivered negative results. In other words, our defense has been better than our offense, and that's likely to continue." All timely advice from Mr. Buffett for turbulent times.
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
A 2008 academic study of Berkshire over a 30-year period attempted to uncover the secret of Warren Buffett's success. And recommended just imitating a winning investment strategy.
Imitation is the Sincerest Form of Flattery: Warren Buffett and Berkshire Hathaway
Gerald S. Martin, American University - Kogod School of Business
John Puthenpurackal, University of Nevada, Las Vegas - Department of Finance
April 15, 2008
Abstract:
We analyze Berkshire Hathaway's equity portfolio over the 1976 to 2006 period and explore potential explanations for its superior performance. Contrary to popular belief, we find Berkshire Hathaway invests primarily in large-cap growth rather than "value" stocks. Over the period the portfolio beat the benchmarks in 27 out of 31 years, on average exceeding the S&P 500 Index by 11.14%, the value-weighted index of all stocks by 10.92%, and a Fama and French characteristic-based portfolio by 8.56% per year. Although beating the market in all but four years can statistically happen due to chance, incorporating the magnitude by which the portfolio beats the market makes a luck explanation extremely unlikely even after taking into account ex-post selection bias. We find that Berkshire Hathaway's portfolio is concentrated in relatively few stocks with the top five holdings averaging 73% of the portfolio value. While increased volatility is normally associated with higher concentration we show the volatility of the portfolio is driven by large positive returns and not downside risk. The market appears to under-react to the news of a Berkshire Hathaway stock investment since a hypothetical portfolio that mimics the investments at the beginning of the following month after they are publicly disclosed also earns significantly positive abnormal returns of 10.75% over the S&P 500 Index. Our evidence suggests the Berkshire Hathaway triumvirates of Warren Buffett, Charles Munger, and Lou Simpson posses' investment skill unlikely to be explained by Efficient Market Theory.
Source:
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=806246&rec=1&srcabs=1005564
You can read the rest of the study if you like. Time is short so let's look at the Wall Street Journal's summary from a 3/1/2010 report:
It might not be practical to buy all of Buffett’s holdings. He owns 40 stocks and many of them are tiny positions. Here are two other approaches investors can take:
Slightly speculative: Buy the stocks Buffett is increasing his positions in. The idea is you can get in at prices similar to Buffett and it might be the stocks he feels most strongly about right now.
This past quarter:
Republic Services (RSG): Buffett increased his holdings by 129%
Iron Mountain (IRM): Increased by 108%
Beckton Dickinson (BDX): Increased by 25%
Walmart (WMT): Increased by 3.2%
Wells Fargo (WFC): Increased by 2.2%
The blog Market Folly summarizes the increases and decreases here.
The “Buffett Aristocrats”: The S&P publishes a list of its dividend aristocrats - stocks that have increased their dividends for more than 25 years in a row. Buffett owns a basket of these, which I call the Buffett Aristocrats. These might be solid plays both for the income (since you can feel comfortable that they will probably increase, or at least keep, their dividends in the future) and capital appreciation (all of these companies have done well over time and, besides, Buffett likes them):
BDX - has increased its dividend for 37 years in a row. 1.9% dividend
KO - 47 years - 3.3% yield
LOW - 47 years - 1.5%
*PG - 53 years - 2.8%
WMT - 35 years - 2%
*XOM - 27 years - 2.6%
*JNJ - 47 years - 3.1%
* Buffett reduced his position this past quarter
Source: http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it. In the very first paragraph, he touts fabulous results for the past year:
Our gain in net worth during 2009 was $21.8 billion, which increased the per-share book value of both our Class A and Class B stock by 19.8%. Over the last 45 years (that is, since present management took over) book value has grown from $19 to $84,487, a rate of 20.3% compounded annually.*
I realize that past performance is no guarantee of future performance, but 20.3% for 45 years! Let's be thankful Berkshire is a public company so we can watch what Warren Buffett does and learn from a master. The Wall Street Journal aptly summarized results and investment philosophy:
On Saturday, Mr. Buffett's Berkshire Hathaway reported that net earnings rocketed 61% last year to $5,193 per share, while book value jumped 20% to a record high. Berkshire's Class A shares, which slumped to nearly $70,000 last year, have rebounded to $120,000.
Those bets on GE and Goldman? They've made billions so far. And anyone who took Mr. Buffett's advice and invested in the stock market in October 2008, even through a simple index fund, is up about 25%.
This is nothing new, of course. Anyone who held a $10,000 stake in Berkshire Hathaway at the start of 1965 has about $80 million today.
How does he do it? Mr. Buffett explained his beliefs to new investors in his letter to stockholders Saturday:
Stay liquid. "We will never become dependent on the kindness of strangers," he wrote. "We will always arrange our affairs so that any requirements for cash we may conceivably have will be dwarfed by our own liquidity. Moreover, that liquidity will be constantly refreshed by a gusher of earnings from our many and diverse businesses."
Buy when everyone else is selling. "We've put a lot of money to work during the chaos of the last two years. It's been an ideal period for investors: A climate of fear is their best friend ... Big opportunities come infrequently. When it's raining gold, reach for a bucket, not a thimble."
Don't buy when everyone else is buying. "Those who invest only when commentators are upbeat end up paying a heavy price for meaningless reassurance," Mr. Buffett wrote. The obvious corollary is to be patient. You can only buy when everyone else is selling if you have held your fire when everyone was buying.
Value, value, value. "In the end, what counts in investing is what you pay for a business-through the purchase of a small piece of it in the stock market-and what that business earns in the succeeding decade or two."
Don't get suckered by big growth stories. Mr. Buffett reminded investors that he and Berkshire Vice Chairman Charlie Munger "avoid businesses whose futures we can't evaluate, no matter how exciting their products may be."
Most investors who bet on the auto industry in 1910, planes in 1930 or TV makers in 1950 ended up losing their shirts, even though the products really did change the world. "Dramatic growth" doesn't always lead to high profit margins and returns on capital. China, anyone?
Understand what you own. "Investors who buy and sell based upon media or analyst commentary are not for us," Mr. Buffett wrote.
"We want partners who join us at Berkshire because they wish to make a long-term investment in a business they themselves understand and because it's one that follows policies with which they concur."
Defense beats offense. "Though we have lagged the S&P in some years that were positive for the market, we have consistently done better than the S&P in the eleven years during which it delivered negative results. In other words, our defense has been better than our offense, and that's likely to continue." All timely advice from Mr. Buffett for turbulent times.
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
A 2008 academic study of Berkshire over a 30-year period attempted to uncover the secret of Warren Buffett's success. And recommended just imitating a winning investment strategy.
Imitation is the Sincerest Form of Flattery: Warren Buffett and Berkshire Hathaway
Gerald S. Martin, American University - Kogod School of Business
John Puthenpurackal, University of Nevada, Las Vegas - Department of Finance
April 15, 2008
Abstract:
We analyze Berkshire Hathaway's equity portfolio over the 1976 to 2006 period and explore potential explanations for its superior performance. Contrary to popular belief, we find Berkshire Hathaway invests primarily in large-cap growth rather than "value" stocks. Over the period the portfolio beat the benchmarks in 27 out of 31 years, on average exceeding the S&P 500 Index by 11.14%, the value-weighted index of all stocks by 10.92%, and a Fama and French characteristic-based portfolio by 8.56% per year. Although beating the market in all but four years can statistically happen due to chance, incorporating the magnitude by which the portfolio beats the market makes a luck explanation extremely unlikely even after taking into account ex-post selection bias. We find that Berkshire Hathaway's portfolio is concentrated in relatively few stocks with the top five holdings averaging 73% of the portfolio value. While increased volatility is normally associated with higher concentration we show the volatility of the portfolio is driven by large positive returns and not downside risk. The market appears to under-react to the news of a Berkshire Hathaway stock investment since a hypothetical portfolio that mimics the investments at the beginning of the following month after they are publicly disclosed also earns significantly positive abnormal returns of 10.75% over the S&P 500 Index. Our evidence suggests the Berkshire Hathaway triumvirates of Warren Buffett, Charles Munger, and Lou Simpson posses' investment skill unlikely to be explained by Efficient Market Theory.
Source:
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=806246&rec=1&srcabs=1005564
You can read the rest of the study if you like. Time is short so let's look at the Wall Street Journal's summary from a 3/1/2010 report:
It might not be practical to buy all of Buffett’s holdings. He owns 40 stocks and many of them are tiny positions. Here are two other approaches investors can take:
Slightly speculative: Buy the stocks Buffett is increasing his positions in. The idea is you can get in at prices similar to Buffett and it might be the stocks he feels most strongly about right now.
This past quarter:
Republic Services (RSG): Buffett increased his holdings by 129%
Iron Mountain (IRM): Increased by 108%
Beckton Dickinson (BDX): Increased by 25%
Walmart (WMT): Increased by 3.2%
Wells Fargo (WFC): Increased by 2.2%
The blog Market Folly summarizes the increases and decreases here.
The “Buffett Aristocrats”: The S&P publishes a list of its dividend aristocrats - stocks that have increased their dividends for more than 25 years in a row. Buffett owns a basket of these, which I call the Buffett Aristocrats. These might be solid plays both for the income (since you can feel comfortable that they will probably increase, or at least keep, their dividends in the future) and capital appreciation (all of these companies have done well over time and, besides, Buffett likes them):
BDX - has increased its dividend for 37 years in a row. 1.9% dividend
KO - 47 years - 3.3% yield
LOW - 47 years - 1.5%
*PG - 53 years - 2.8%
WMT - 35 years - 2%
*XOM - 27 years - 2.6%
*JNJ - 47 years - 3.1%
* Buffett reduced his position this past quarter
Source: http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this article, Richard Emmons takes a look at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this article, Richard Emmons takes a look at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/515-revision-7/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it. In the very first paragraph, he touts fabulous results for the past year:
Our gain in net worth during 2009 was $21.8 billion, which increased the per-share book value of both our Class A and Class B stock by 19.8%. Over the last 45 years (that is, since present management took over) book value has grown from $19 to $84,487, a rate of 20.3% compounded annually.*
I realize that past performance is no guarantee of future performance, but 20.3% for 45 years! Let's be thankful Berkshire is a public company so we can watch what Warren Buffett does and learn from a master. The Wall Street Journal aptly summarized results and investment philosophy:
On Saturday, Mr. Buffett's Berkshire Hathaway reported that net earnings rocketed 61% last year to $5,193 per share, while book value jumped 20% to a record high. Berkshire's Class A shares, which slumped to nearly $70,000 last year, have rebounded to $120,000.
Those bets on GE and Goldman? They've made billions so far. And anyone who took Mr. Buffett's advice and invested in the stock market in October 2008, even through a simple index fund, is up about 25%.
This is nothing new, of course. Anyone who held a $10,000 stake in Berkshire Hathaway at the start of 1965 has about $80 million today.
How does he do it? Mr. Buffett explained his beliefs to new investors in his letter to stockholders Saturday:
Stay liquid. "We will never become dependent on the kindness of strangers," he wrote. "We will always arrange our affairs so that any requirements for cash we may conceivably have will be dwarfed by our own liquidity. Moreover, that liquidity will be constantly refreshed by a gusher of earnings from our many and diverse businesses."
Buy when everyone else is selling. "We've put a lot of money to work during the chaos of the last two years. It's been an ideal period for investors: A climate of fear is their best friend ... Big opportunities come infrequently. When it's raining gold, reach for a bucket, not a thimble."
Don't buy when everyone else is buying. "Those who invest only when commentators are upbeat end up paying a heavy price for meaningless reassurance," Mr. Buffett wrote. The obvious corollary is to be patient. You can only buy when everyone else is selling if you have held your fire when everyone was buying.
Value, value, value. "In the end, what counts in investing is what you pay for a business-through the purchase of a small piece of it in the stock market-and what that business earns in the succeeding decade or two."
Don't get suckered by big growth stories. Mr. Buffett reminded investors that he and Berkshire Vice Chairman Charlie Munger "avoid businesses whose futures we can't evaluate, no matter how exciting their products may be."
Most investors who bet on the auto industry in 1910, planes in 1930 or TV makers in 1950 ended up losing their shirts, even though the products really did change the world. "Dramatic growth" doesn't always lead to high profit margins and returns on capital. China, anyone?
Understand what you own. "Investors who buy and sell based upon media or analyst commentary are not for us," Mr. Buffett wrote.
"We want partners who join us at Berkshire because they wish to make a long-term investment in a business they themselves understand and because it's one that follows policies with which they concur."
Defense beats offense. "Though we have lagged the S&P in some years that were positive for the market, we have consistently done better than the S&P in the eleven years during which it delivered negative results. In other words, our defense has been better than our offense, and that's likely to continue." All timely advice from Mr. Buffett for turbulent times.
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
A 2008 academic study of Berkshire over a 30-year period attempted to uncover the secret of Warren Buffett's success. And recommended just imitating a winning investment strategy.
Imitation is the Sincerest Form of Flattery: Warren Buffett and Berkshire Hathaway
Gerald S. Martin, American University - Kogod School of Business
John Puthenpurackal, University of Nevada, Las Vegas - Department of Finance
April 15, 2008
Abstract:
We analyze Berkshire Hathaway's equity portfolio over the 1976 to 2006 period and explore potential explanations for its superior performance. Contrary to popular belief, we find Berkshire Hathaway invests primarily in large-cap growth rather than "value" stocks. Over the period the portfolio beat the benchmarks in 27 out of 31 years, on average exceeding the S&P 500 Index by 11.14%, the value-weighted index of all stocks by 10.92%, and a Fama and French characteristic-based portfolio by 8.56% per year. Although beating the market in all but four years can statistically happen due to chance, incorporating the magnitude by which the portfolio beats the market makes a luck explanation extremely unlikely even after taking into account ex-post selection bias. We find that Berkshire Hathaway's portfolio is concentrated in relatively few stocks with the top five holdings averaging 73% of the portfolio value. While increased volatility is normally associated with higher concentration we show the volatility of the portfolio is driven by large positive returns and not downside risk. The market appears to under-react to the news of a Berkshire Hathaway stock investment since a hypothetical portfolio that mimics the investments at the beginning of the following month after they are publicly disclosed also earns significantly positive abnormal returns of 10.75% over the S&P 500 Index. Our evidence suggests the Berkshire Hathaway triumvirates of Warren Buffett, Charles Munger, and Lou Simpson posses' investment skill unlikely to be explained by Efficient Market Theory.
Source:
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=806246&rec=1&srcabs=1005564
You can read the rest of the study if you like. Time is short so let's look at the Wall Street Journal's summary from a 3/1/2010 report:
It might not be practical to buy all of Buffett’s holdings. He owns 40 stocks and many of them are tiny positions. Here are two other approaches investors can take:
Slightly speculative: Buy the stocks Buffett is increasing his positions in. The idea is you can get in at prices similar to Buffett and it might be the stocks he feels most strongly about right now.
This past quarter:
Republic Services (RSG): Buffett increased his holdings by 129%
Iron Mountain (IRM): Increased by 108%
Beckton Dickinson (BDX): Increased by 25%
Walmart (WMT): Increased by 3.2%
Wells Fargo (WFC): Increased by 2.2%
The blog Market Folly summarizes the increases and decreases here.
The “Buffett Aristocrats”: The S&P publishes a list of its dividend aristocrats - stocks that have increased their dividends for more than 25 years in a row. Buffett owns a basket of these, which I call the Buffett Aristocrats. These might be solid plays both for the income (since you can feel comfortable that they will probably increase, or at least keep, their dividends in the future) and capital appreciation (all of these companies have done well over time and, besides, Buffett likes them):
BDX - has increased its dividend for 37 years in a row. 1.9% dividend
KO - 47 years - 3.3% yield
LOW - 47 years - 1.5%
*PG - 53 years - 2.8%
WMT - 35 years - 2%
*XOM - 27 years - 2.6%
*JNJ - 47 years - 3.1%
* Buffett reduced his position this past quarter
Source: http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it. In the very first paragraph, he touts fabulous results for the past year:
Our gain in net worth during 2009 was $21.8 billion, which increased the per-share book value of both our Class A and Class B stock by 19.8%. Over the last 45 years (that is, since present management took over) book value has grown from $19 to $84,487, a rate of 20.3% compounded annually.*
I realize that past performance is no guarantee of future performance, but 20.3% for 45 years! Let's be thankful Berkshire is a public company so we can watch what Warren Buffett does and learn from a master. The Wall Street Journal aptly summarized results and investment philosophy:
On Saturday, Mr. Buffett's Berkshire Hathaway reported that net earnings rocketed 61% last year to $5,193 per share, while book value jumped 20% to a record high. Berkshire's Class A shares, which slumped to nearly $70,000 last year, have rebounded to $120,000.
Those bets on GE and Goldman? They've made billions so far. And anyone who took Mr. Buffett's advice and invested in the stock market in October 2008, even through a simple index fund, is up about 25%.
This is nothing new, of course. Anyone who held a $10,000 stake in Berkshire Hathaway at the start of 1965 has about $80 million today.
How does he do it? Mr. Buffett explained his beliefs to new investors in his letter to stockholders Saturday:
Stay liquid. "We will never become dependent on the kindness of strangers," he wrote. "We will always arrange our affairs so that any requirements for cash we may conceivably have will be dwarfed by our own liquidity. Moreover, that liquidity will be constantly refreshed by a gusher of earnings from our many and diverse businesses."
Buy when everyone else is selling. "We've put a lot of money to work during the chaos of the last two years. It's been an ideal period for investors: A climate of fear is their best friend ... Big opportunities come infrequently. When it's raining gold, reach for a bucket, not a thimble."
Don't buy when everyone else is buying. "Those who invest only when commentators are upbeat end up paying a heavy price for meaningless reassurance," Mr. Buffett wrote. The obvious corollary is to be patient. You can only buy when everyone else is selling if you have held your fire when everyone was buying.
Value, value, value. "In the end, what counts in investing is what you pay for a business-through the purchase of a small piece of it in the stock market-and what that business earns in the succeeding decade or two."
Don't get suckered by big growth stories. Mr. Buffett reminded investors that he and Berkshire Vice Chairman Charlie Munger "avoid businesses whose futures we can't evaluate, no matter how exciting their products may be."
Most investors who bet on the auto industry in 1910, planes in 1930 or TV makers in 1950 ended up losing their shirts, even though the products really did change the world. "Dramatic growth" doesn't always lead to high profit margins and returns on capital. China, anyone?
Understand what you own. "Investors who buy and sell based upon media or analyst commentary are not for us," Mr. Buffett wrote.
"We want partners who join us at Berkshire because they wish to make a long-term investment in a business they themselves understand and because it's one that follows policies with which they concur."
Defense beats offense. "Though we have lagged the S&P in some years that were positive for the market, we have consistently done better than the S&P in the eleven years during which it delivered negative results. In other words, our defense has been better than our offense, and that's likely to continue." All timely advice from Mr. Buffett for turbulent times.
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
A 2008 academic study of Berkshire over a 30-year period attempted to uncover the secret of Warren Buffett's success. And recommended just imitating a winning investment strategy.
Imitation is the Sincerest Form of Flattery: Warren Buffett and Berkshire Hathaway
Gerald S. Martin, American University - Kogod School of Business
John Puthenpurackal, University of Nevada, Las Vegas - Department of Finance
April 15, 2008
Abstract:
We analyze Berkshire Hathaway's equity portfolio over the 1976 to 2006 period and explore potential explanations for its superior performance. Contrary to popular belief, we find Berkshire Hathaway invests primarily in large-cap growth rather than "value" stocks. Over the period the portfolio beat the benchmarks in 27 out of 31 years, on average exceeding the S&P 500 Index by 11.14%, the value-weighted index of all stocks by 10.92%, and a Fama and French characteristic-based portfolio by 8.56% per year. Although beating the market in all but four years can statistically happen due to chance, incorporating the magnitude by which the portfolio beats the market makes a luck explanation extremely unlikely even after taking into account ex-post selection bias. We find that Berkshire Hathaway's portfolio is concentrated in relatively few stocks with the top five holdings averaging 73% of the portfolio value. While increased volatility is normally associated with higher concentration we show the volatility of the portfolio is driven by large positive returns and not downside risk. The market appears to under-react to the news of a Berkshire Hathaway stock investment since a hypothetical portfolio that mimics the investments at the beginning of the following month after they are publicly disclosed also earns significantly positive abnormal returns of 10.75% over the S&P 500 Index. Our evidence suggests the Berkshire Hathaway triumvirates of Warren Buffett, Charles Munger, and Lou Simpson posses' investment skill unlikely to be explained by Efficient Market Theory.
Source:
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=806246&rec=1&srcabs=1005564
You can read the rest of the study if you like. Time is short so let's look at the Wall Street Journal's summary from a 3/1/2010 report:
It might not be practical to buy all of Buffett’s holdings. He owns 40 stocks and many of them are tiny positions. Here are two other approaches investors can take:
Slightly speculative: Buy the stocks Buffett is increasing his positions in. The idea is you can get in at prices similar to Buffett and it might be the stocks he feels most strongly about right now.
This past quarter:
Republic Services (RSG): Buffett increased his holdings by 129%
Iron Mountain (IRM): Increased by 108%
Beckton Dickinson (BDX): Increased by 25%
Walmart (WMT): Increased by 3.2%
Wells Fargo (WFC): Increased by 2.2%
The blog Market Folly summarizes the increases and decreases here.
The “Buffett Aristocrats”: The S&P publishes a list of its dividend aristocrats - stocks that have increased their dividends for more than 25 years in a row. Buffett owns a basket of these, which I call the Buffett Aristocrats. These might be solid plays both for the income (since you can feel comfortable that they will probably increase, or at least keep, their dividends in the future) and capital appreciation (all of these companies have done well over time and, besides, Buffett likes them):
BDX - has increased its dividend for 37 years in a row. 1.9% dividend
KO - 47 years - 3.3% yield
LOW - 47 years - 1.5%
*PG - 53 years - 2.8%
WMT - 35 years - 2%
*XOM - 27 years - 2.6%
*JNJ - 47 years - 3.1%
* Buffett reduced his position this past quarter
Source: http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this article, Richard Emmons takes a look at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this article, Richard Emmons takes a look at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/515-revision-8/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it. In the very first paragraph, he touts fabulous results for the past year:
Our gain in net worth during 2009 was $21.8 billion, which increased the per-share book value of both our Class A and Class B stock by 19.8%. Over the last 45 years (that is, since present management took over) book value has grown from $19 to $84,487, a rate of 20.3% compounded annually.*
I realize that past performance is no guarantee of future performance, but 20.3% for 45 years! Let's be thankful Berkshire is a public company so we can watch what Warren Buffett does and learn from a master. The Wall Street Journal aptly summarized results and investment philosophy:
On Saturday, Mr. Buffett's Berkshire Hathaway reported that net earnings rocketed 61% last year to $5,193 per share, while book value jumped 20% to a record high. Berkshire's Class A shares, which slumped to nearly $70,000 last year, have rebounded to $120,000.
Those bets on GE and Goldman? They've made billions so far. And anyone who took Mr. Buffett's advice and invested in the stock market in October 2008, even through a simple index fund, is up about 25%.
This is nothing new, of course. Anyone who held a $10,000 stake in Berkshire Hathaway at the start of 1965 has about $80 million today.
How does he do it? Mr. Buffett explained his beliefs to new investors in his letter to stockholders Saturday:
Stay liquid. "We will never become dependent on the kindness of strangers," he wrote. "We will always arrange our affairs so that any requirements for cash we may conceivably have will be dwarfed by our own liquidity. Moreover, that liquidity will be constantly refreshed by a gusher of earnings from our many and diverse businesses."
Buy when everyone else is selling. "We've put a lot of money to work during the chaos of the last two years. It's been an ideal period for investors: A climate of fear is their best friend ... Big opportunities come infrequently. When it's raining gold, reach for a bucket, not a thimble."
Don't buy when everyone else is buying. "Those who invest only when commentators are upbeat end up paying a heavy price for meaningless reassurance," Mr. Buffett wrote. The obvious corollary is to be patient. You can only buy when everyone else is selling if you have held your fire when everyone was buying.
Value, value, value. "In the end, what counts in investing is what you pay for a business-through the purchase of a small piece of it in the stock market-and what that business earns in the succeeding decade or two."
Don't get suckered by big growth stories. Mr. Buffett reminded investors that he and Berkshire Vice Chairman Charlie Munger "avoid businesses whose futures we can't evaluate, no matter how exciting their products may be."
Most investors who bet on the auto industry in 1910, planes in 1930 or TV makers in 1950 ended up losing their shirts, even though the products really did change the world. "Dramatic growth" doesn't always lead to high profit margins and returns on capital. China, anyone?
Understand what you own. "Investors who buy and sell based upon media or analyst commentary are not for us," Mr. Buffett wrote.
"We want partners who join us at Berkshire because they wish to make a long-term investment in a business they themselves understand and because it's one that follows policies with which they concur."
Defense beats offense. "Though we have lagged the S&P in some years that were positive for the market, we have consistently done better than the S&P in the eleven years during which it delivered negative results. In other words, our defense has been better than our offense, and that's likely to continue." All timely advice from Mr. Buffett for turbulent times.
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
A 2008 academic study of Berkshire over a 30-year period attempted to uncover the secret of Warren Buffett's success. And recommended just imitating a winning investment strategy.
Imitation is the Sincerest Form of Flattery: Warren Buffett and Berkshire Hathaway
Gerald S. Martin, American University - Kogod School of Business
John Puthenpurackal, University of Nevada, Las Vegas - Department of Finance
April 15, 2008
Abstract:
We analyze Berkshire Hathaway's equity portfolio over the 1976 to 2006 period and explore potential explanations for its superior performance. Contrary to popular belief, we find Berkshire Hathaway invests primarily in large-cap growth rather than "value" stocks. Over the period the portfolio beat the benchmarks in 27 out of 31 years, on average exceeding the S&P 500 Index by 11.14%, the value-weighted index of all stocks by 10.92%, and a Fama and French characteristic-based portfolio by 8.56% per year. Although beating the market in all but four years can statistically happen due to chance, incorporating the magnitude by which the portfolio beats the market makes a luck explanation extremely unlikely even after taking into account ex-post selection bias. We find that Berkshire Hathaway's portfolio is concentrated in relatively few stocks with the top five holdings averaging 73% of the portfolio value. While increased volatility is normally associated with higher concentration we show the volatility of the portfolio is driven by large positive returns and not downside risk. The market appears to under-react to the news of a Berkshire Hathaway stock investment since a hypothetical portfolio that mimics the investments at the beginning of the following month after they are publicly disclosed also earns significantly positive abnormal returns of 10.75% over the S&P 500 Index. Our evidence suggests the Berkshire Hathaway triumvirates of Warren Buffett, Charles Munger, and Lou Simpson posses' investment skill unlikely to be explained by Efficient Market Theory.
Source:
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=806246&rec=1&srcabs=1005564
You can read the rest of the study if you like. Time is short so let's look at the Wall Street Journal's summary from a 3/1/2010 report:
It might not be practical to buy all of Buffett’s holdings. He owns 40 stocks and many of them are tiny positions. Here are two other approaches investors can take:
Slightly speculative: Buy the stocks Buffett is increasing his positions in. The idea is you can get in at prices similar to Buffett and it might be the stocks he feels most strongly about right now.
This past quarter:
Republic Services (RSG): Buffett increased his holdings by 129%
Iron Mountain (IRM): Increased by 108%
Beckton Dickinson (BDX): Increased by 25%
Walmart (WMT): Increased by 3.2%
Wells Fargo (WFC): Increased by 2.2%
The blog Market Folly summarizes the increases and decreases here.
The “Buffett Aristocrats”: The S&P publishes a list of its dividend aristocrats - stocks that have increased their dividends for more than 25 years in a row. Buffett owns a basket of these, which I call the Buffett Aristocrats. These might be solid plays both for the income (since you can feel comfortable that they will probably increase, or at least keep, their dividends in the future) and capital appreciation (all of these companies have done well over time and, besides, Buffett likes them):
BDX - has increased its dividend for 37 years in a row. 1.9% dividend
KO - 47 years - 3.3% yield
LOW - 47 years - 1.5%
*PG - 53 years - 2.8%
WMT - 35 years - 2%
*XOM - 27 years - 2.6%
*JNJ - 47 years - 3.1%
* Buffett reduced his position this past quarter
Source: http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
Well there you have it. Go and do likewise!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it. In the very first paragraph, he touts fabulous results for the past year:
Our gain in net worth during 2009 was $21.8 billion, which increased the per-share book value of both our Class A and Class B stock by 19.8%. Over the last 45 years (that is, since present management took over) book value has grown from $19 to $84,487, a rate of 20.3% compounded annually.*
I realize that past performance is no guarantee of future performance, but 20.3% for 45 years! Let's be thankful Berkshire is a public company so we can watch what Warren Buffett does and learn from a master. The Wall Street Journal aptly summarized results and investment philosophy:
On Saturday, Mr. Buffett's Berkshire Hathaway reported that net earnings rocketed 61% last year to $5,193 per share, while book value jumped 20% to a record high. Berkshire's Class A shares, which slumped to nearly $70,000 last year, have rebounded to $120,000.
Those bets on GE and Goldman? They've made billions so far. And anyone who took Mr. Buffett's advice and invested in the stock market in October 2008, even through a simple index fund, is up about 25%.
This is nothing new, of course. Anyone who held a $10,000 stake in Berkshire Hathaway at the start of 1965 has about $80 million today.
How does he do it? Mr. Buffett explained his beliefs to new investors in his letter to stockholders Saturday:
Stay liquid. "We will never become dependent on the kindness of strangers," he wrote. "We will always arrange our affairs so that any requirements for cash we may conceivably have will be dwarfed by our own liquidity. Moreover, that liquidity will be constantly refreshed by a gusher of earnings from our many and diverse businesses."
Buy when everyone else is selling. "We've put a lot of money to work during the chaos of the last two years. It's been an ideal period for investors: A climate of fear is their best friend ... Big opportunities come infrequently. When it's raining gold, reach for a bucket, not a thimble."
Don't buy when everyone else is buying. "Those who invest only when commentators are upbeat end up paying a heavy price for meaningless reassurance," Mr. Buffett wrote. The obvious corollary is to be patient. You can only buy when everyone else is selling if you have held your fire when everyone was buying.
Value, value, value. "In the end, what counts in investing is what you pay for a business-through the purchase of a small piece of it in the stock market-and what that business earns in the succeeding decade or two."
Don't get suckered by big growth stories. Mr. Buffett reminded investors that he and Berkshire Vice Chairman Charlie Munger "avoid businesses whose futures we can't evaluate, no matter how exciting their products may be."
Most investors who bet on the auto industry in 1910, planes in 1930 or TV makers in 1950 ended up losing their shirts, even though the products really did change the world. "Dramatic growth" doesn't always lead to high profit margins and returns on capital. China, anyone?
Understand what you own. "Investors who buy and sell based upon media or analyst commentary are not for us," Mr. Buffett wrote.
"We want partners who join us at Berkshire because they wish to make a long-term investment in a business they themselves understand and because it's one that follows policies with which they concur."
Defense beats offense. "Though we have lagged the S&P in some years that were positive for the market, we have consistently done better than the S&P in the eleven years during which it delivered negative results. In other words, our defense has been better than our offense, and that's likely to continue." All timely advice from Mr. Buffett for turbulent times.
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
A 2008 academic study of Berkshire over a 30-year period attempted to uncover the secret of Warren Buffett's success. And recommended just imitating a winning investment strategy.
Imitation is the Sincerest Form of Flattery: Warren Buffett and Berkshire Hathaway
Gerald S. Martin, American University - Kogod School of Business
John Puthenpurackal, University of Nevada, Las Vegas - Department of Finance
April 15, 2008
Abstract:
We analyze Berkshire Hathaway's equity portfolio over the 1976 to 2006 period and explore potential explanations for its superior performance. Contrary to popular belief, we find Berkshire Hathaway invests primarily in large-cap growth rather than "value" stocks. Over the period the portfolio beat the benchmarks in 27 out of 31 years, on average exceeding the S&P 500 Index by 11.14%, the value-weighted index of all stocks by 10.92%, and a Fama and French characteristic-based portfolio by 8.56% per year. Although beating the market in all but four years can statistically happen due to chance, incorporating the magnitude by which the portfolio beats the market makes a luck explanation extremely unlikely even after taking into account ex-post selection bias. We find that Berkshire Hathaway's portfolio is concentrated in relatively few stocks with the top five holdings averaging 73% of the portfolio value. While increased volatility is normally associated with higher concentration we show the volatility of the portfolio is driven by large positive returns and not downside risk. The market appears to under-react to the news of a Berkshire Hathaway stock investment since a hypothetical portfolio that mimics the investments at the beginning of the following month after they are publicly disclosed also earns significantly positive abnormal returns of 10.75% over the S&P 500 Index. Our evidence suggests the Berkshire Hathaway triumvirates of Warren Buffett, Charles Munger, and Lou Simpson posses' investment skill unlikely to be explained by Efficient Market Theory.
Source:
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=806246&rec=1&srcabs=1005564
You can read the rest of the study if you like. Time is short so let's look at the Wall Street Journal's summary from a 3/1/2010 report:
It might not be practical to buy all of Buffett’s holdings. He owns 40 stocks and many of them are tiny positions. Here are two other approaches investors can take:
Slightly speculative: Buy the stocks Buffett is increasing his positions in. The idea is you can get in at prices similar to Buffett and it might be the stocks he feels most strongly about right now.
This past quarter:
Republic Services (RSG): Buffett increased his holdings by 129%
Iron Mountain (IRM): Increased by 108%
Beckton Dickinson (BDX): Increased by 25%
Walmart (WMT): Increased by 3.2%
Wells Fargo (WFC): Increased by 2.2%
The blog Market Folly summarizes the increases and decreases here.
The “Buffett Aristocrats”: The S&P publishes a list of its dividend aristocrats - stocks that have increased their dividends for more than 25 years in a row. Buffett owns a basket of these, which I call the Buffett Aristocrats. These might be solid plays both for the income (since you can feel comfortable that they will probably increase, or at least keep, their dividends in the future) and capital appreciation (all of these companies have done well over time and, besides, Buffett likes them):
BDX - has increased its dividend for 37 years in a row. 1.9% dividend
KO - 47 years - 3.3% yield
LOW - 47 years - 1.5%
*PG - 53 years - 2.8%
WMT - 35 years - 2%
*XOM - 27 years - 2.6%
*JNJ - 47 years - 3.1%
* Buffett reduced his position this past quarter
Source: http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
Well there you have it. Go and do likewise!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons looks at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons looks at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/515-revision-9/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it. In the very first paragraph, he touts fabulous results for the past year:
Our gain in net worth during 2009 was $21.8 billion, which increased the per-share book value of both our Class A and Class B stock by 19.8%. Over the last 45 years (that is, since present management took over) book value has grown from $19 to $84,487, a rate of 20.3% compounded annually.*
I realize that past performance is no guarantee of future performance, but 20.3% for 45 years! Let's be thankful Berkshire is a public company so we can watch what Warren Buffett does and learn from a master. The Wall Street Journal aptly summarized results and investment philosophy:
On Saturday, Mr. Buffett's Berkshire Hathaway reported that net earnings rocketed 61% last year to $5,193 per share, while book value jumped 20% to a record high. Berkshire's Class A shares, which slumped to nearly $70,000 last year, have rebounded to $120,000.
Those bets on GE and Goldman? They've made billions so far. And anyone who took Mr. Buffett's advice and invested in the stock market in October 2008, even through a simple index fund, is up about 25%.
This is nothing new, of course. Anyone who held a $10,000 stake in Berkshire Hathaway at the start of 1965 has about $80 million today.
How does he do it? Mr. Buffett explained his beliefs to new investors in his letter to stockholders Saturday:
Stay liquid. "We will never become dependent on the kindness of strangers," he wrote. "We will always arrange our affairs so that any requirements for cash we may conceivably have will be dwarfed by our own liquidity. Moreover, that liquidity will be constantly refreshed by a gusher of earnings from our many and diverse businesses."
Buy when everyone else is selling. "We've put a lot of money to work during the chaos of the last two years. It's been an ideal period for investors: A climate of fear is their best friend ... Big opportunities come infrequently. When it's raining gold, reach for a bucket, not a thimble."
Don't buy when everyone else is buying. "Those who invest only when commentators are upbeat end up paying a heavy price for meaningless reassurance," Mr. Buffett wrote. The obvious corollary is to be patient. You can only buy when everyone else is selling if you have held your fire when everyone was buying.
Value, value, value. "In the end, what counts in investing is what you pay for a business-through the purchase of a small piece of it in the stock market-and what that business earns in the succeeding decade or two."
Don't get suckered by big growth stories. Mr. Buffett reminded investors that he and Berkshire Vice Chairman Charlie Munger "avoid businesses whose futures we can't evaluate, no matter how exciting their products may be."
Most investors who bet on the auto industry in 1910, planes in 1930 or TV makers in 1950 ended up losing their shirts, even though the products really did change the world. "Dramatic growth" doesn't always lead to high profit margins and returns on capital. China, anyone?
Understand what you own. "Investors who buy and sell based upon media or analyst commentary are not for us," Mr. Buffett wrote.
"We want partners who join us at Berkshire because they wish to make a long-term investment in a business they themselves understand and because it's one that follows policies with which they concur."
Defense beats offense. "Though we have lagged the S&P in some years that were positive for the market, we have consistently done better than the S&P in the eleven years during which it delivered negative results. In other words, our defense has been better than our offense, and that's likely to continue." All timely advice from Mr. Buffett for turbulent times.
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
A 2008 academic study of Berkshire over a 30-year period attempted to uncover the secret of Warren Buffett's success. And recommended just imitating a winning investment strategy.
Imitation is the Sincerest Form of Flattery: Warren Buffett and Berkshire Hathaway
Gerald S. Martin, American University - Kogod School of Business
John Puthenpurackal, University of Nevada, Las Vegas - Department of Finance
April 15, 2008
Abstract:
We analyze Berkshire Hathaway's equity portfolio over the 1976 to 2006 period and explore potential explanations for its superior performance. Contrary to popular belief, we find Berkshire Hathaway invests primarily in large-cap growth rather than "value" stocks.
Over the period the portfolio beat the benchmarks in 27 out of 31 years, on average exceeding the S&P 500 Index by 11.14%, the value-weighted index of all stocks by 10.92%, and a Fama and French characteristic-based portfolio by 8.56% per year. Although beating the market in all but four years can statistically happen due to chance, incorporating the magnitude by which the portfolio beats the market makes a luck explanation extremely unlikely even after taking into account ex-post selection bias.
We find that Berkshire Hathaway's portfolio is concentrated in relatively few stocks with the top five holdings averaging 73% of the portfolio value. While increased volatility is normally associated with higher concentration we show the volatility of the portfolio is driven by large positive returns and not downside risk. The market appears to under-react to the news of a Berkshire Hathaway stock investment since a hypothetical portfolio that mimics the investments at the beginning of the following month after they are publicly disclosed also earns significantly positive abnormal returns of 10.75% over the S&P 500 Index.
Our evidence suggests the Berkshire Hathaway triumvirates of Warren Buffett, Charles Munger, and Lou Simpson posses' investment skill unlikely to be explained by Efficient Market Theory.
Source:
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=806246&rec=1&srcabs=1005564
To be blunt about it, Warren Buffett demolished the Efficient Market Theory.
You can read the rest of the study if you like. Time is short so let's look at the Wall Street Journal's summary from a 3/1/2010 report:
It might not be practical to buy all of Buffett’s holdings. He owns 40 stocks and many of them are tiny positions. Here are two other approaches investors can take:
Slightly speculative: Buy the stocks Buffett is increasing his positions in. The idea is you can get in at prices similar to Buffett and it might be the stocks he feels most strongly about right now.
This past quarter:
Republic Services (RSG): Buffett increased his holdings by 129%Market Folly summarizes the increases and decreases here.
The “Buffett Aristocrats”: The S&P publishes a list of its dividend aristocrats - stocks that have increased their dividends for more than 25 years in a row. Buffett owns a basket of these, which I call the Buffett Aristocrats. These might be solid plays both for the income (since you can feel comfortable that they will probably increase, or at least keep, their dividends in the future) and capital appreciation (all of these companies have done well over time and, besides, Buffett likes them):
BDX - has increased its dividend for 37 years in a row. 1.9% dividend
KO - 47 years - 3.3% yield
LOW - 47 years - 1.5%
*PG - 53 years - 2.8%
WMT - 35 years - 2%
*XOM - 27 years - 2.6%
*JNJ - 47 years - 3.1%
* Buffett reduced his position this past quarter
Source: http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
Well there you have it. Go and do likewise!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it. In the very first paragraph, he touts fabulous results for the past year:
Our gain in net worth during 2009 was $21.8 billion, which increased the per-share book value of both our Class A and Class B stock by 19.8%. Over the last 45 years (that is, since present management took over) book value has grown from $19 to $84,487, a rate of 20.3% compounded annually.*
I realize that past performance is no guarantee of future performance, but 20.3% for 45 years! Let's be thankful Berkshire is a public company so we can watch what Warren Buffett does and learn from a master. The Wall Street Journal aptly summarized results and investment philosophy:
On Saturday, Mr. Buffett's Berkshire Hathaway reported that net earnings rocketed 61% last year to $5,193 per share, while book value jumped 20% to a record high. Berkshire's Class A shares, which slumped to nearly $70,000 last year, have rebounded to $120,000.
Those bets on GE and Goldman? They've made billions so far. And anyone who took Mr. Buffett's advice and invested in the stock market in October 2008, even through a simple index fund, is up about 25%.
This is nothing new, of course. Anyone who held a $10,000 stake in Berkshire Hathaway at the start of 1965 has about $80 million today.
How does he do it? Mr. Buffett explained his beliefs to new investors in his letter to stockholders Saturday:
Stay liquid. "We will never become dependent on the kindness of strangers," he wrote. "We will always arrange our affairs so that any requirements for cash we may conceivably have will be dwarfed by our own liquidity. Moreover, that liquidity will be constantly refreshed by a gusher of earnings from our many and diverse businesses."
Buy when everyone else is selling. "We've put a lot of money to work during the chaos of the last two years. It's been an ideal period for investors: A climate of fear is their best friend ... Big opportunities come infrequently. When it's raining gold, reach for a bucket, not a thimble."
Don't buy when everyone else is buying. "Those who invest only when commentators are upbeat end up paying a heavy price for meaningless reassurance," Mr. Buffett wrote. The obvious corollary is to be patient. You can only buy when everyone else is selling if you have held your fire when everyone was buying.
Value, value, value. "In the end, what counts in investing is what you pay for a business-through the purchase of a small piece of it in the stock market-and what that business earns in the succeeding decade or two."
Don't get suckered by big growth stories. Mr. Buffett reminded investors that he and Berkshire Vice Chairman Charlie Munger "avoid businesses whose futures we can't evaluate, no matter how exciting their products may be."
Most investors who bet on the auto industry in 1910, planes in 1930 or TV makers in 1950 ended up losing their shirts, even though the products really did change the world. "Dramatic growth" doesn't always lead to high profit margins and returns on capital. China, anyone?
Understand what you own. "Investors who buy and sell based upon media or analyst commentary are not for us," Mr. Buffett wrote.
"We want partners who join us at Berkshire because they wish to make a long-term investment in a business they themselves understand and because it's one that follows policies with which they concur."
Defense beats offense. "Though we have lagged the S&P in some years that were positive for the market, we have consistently done better than the S&P in the eleven years during which it delivered negative results. In other words, our defense has been better than our offense, and that's likely to continue." All timely advice from Mr. Buffett for turbulent times.
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
A 2008 academic study of Berkshire over a 30-year period attempted to uncover the secret of Warren Buffett's success. And recommended just imitating a winning investment strategy.
Imitation is the Sincerest Form of Flattery: Warren Buffett and Berkshire Hathaway
Gerald S. Martin, American University - Kogod School of Business
John Puthenpurackal, University of Nevada, Las Vegas - Department of Finance
April 15, 2008
Abstract:
We analyze Berkshire Hathaway's equity portfolio over the 1976 to 2006 period and explore potential explanations for its superior performance. Contrary to popular belief, we find Berkshire Hathaway invests primarily in large-cap growth rather than "value" stocks.
Over the period the portfolio beat the benchmarks in 27 out of 31 years, on average exceeding the S&P 500 Index by 11.14%, the value-weighted index of all stocks by 10.92%, and a Fama and French characteristic-based portfolio by 8.56% per year. Although beating the market in all but four years can statistically happen due to chance, incorporating the magnitude by which the portfolio beats the market makes a luck explanation extremely unlikely even after taking into account ex-post selection bias.
We find that Berkshire Hathaway's portfolio is concentrated in relatively few stocks with the top five holdings averaging 73% of the portfolio value. While increased volatility is normally associated with higher concentration we show the volatility of the portfolio is driven by large positive returns and not downside risk. The market appears to under-react to the news of a Berkshire Hathaway stock investment since a hypothetical portfolio that mimics the investments at the beginning of the following month after they are publicly disclosed also earns significantly positive abnormal returns of 10.75% over the S&P 500 Index.
Our evidence suggests the Berkshire Hathaway triumvirates of Warren Buffett, Charles Munger, and Lou Simpson posses' investment skill unlikely to be explained by Efficient Market Theory.
Source:
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=806246&rec=1&srcabs=1005564
To be blunt about it, Warren Buffett demolished the Efficient Market Theory.
You can read the rest of the study if you like. Time is short so let's look at the Wall Street Journal's summary from a 3/1/2010 report:
It might not be practical to buy all of Buffett’s holdings. He owns 40 stocks and many of them are tiny positions. Here are two other approaches investors can take:
Slightly speculative: Buy the stocks Buffett is increasing his positions in. The idea is you can get in at prices similar to Buffett and it might be the stocks he feels most strongly about right now.
This past quarter:
Republic Services (RSG): Buffett increased his holdings by 129%Market Folly summarizes the increases and decreases here.
The “Buffett Aristocrats”: The S&P publishes a list of its dividend aristocrats - stocks that have increased their dividends for more than 25 years in a row. Buffett owns a basket of these, which I call the Buffett Aristocrats. These might be solid plays both for the income (since you can feel comfortable that they will probably increase, or at least keep, their dividends in the future) and capital appreciation (all of these companies have done well over time and, besides, Buffett likes them):
BDX - has increased its dividend for 37 years in a row. 1.9% dividend
KO - 47 years - 3.3% yield
LOW - 47 years - 1.5%
*PG - 53 years - 2.8%
WMT - 35 years - 2%
*XOM - 27 years - 2.6%
*JNJ - 47 years - 3.1%
* Buffett reduced his position this past quarter
Source: http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
Well there you have it. Go and do likewise!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons looks at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons looks at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/515-revision-10/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it. In the very first paragraph, he touts fabulous results for the past year:
Our gain in net worth during 2009 was $21.8 billion, which increased the per-share book value of both our Class A and Class B stock by 19.8%. Over the last 45 years (that is, since present management took over) book value has grown from $19 to $84,487, a rate of 20.3% compounded annually.*
I realize that past performance is no guarantee of future performance, but 20.3% for 45 years! Let's be thankful Berkshire is a public company so we can watch what Warren Buffett does and learn from a master. The Wall Street Journal aptly summarized results and investment philosophy:
On Saturday, Mr. Buffett's Berkshire Hathaway reported that net earnings rocketed 61% last year to $5,193 per share, while book value jumped 20% to a record high. Berkshire's Class A shares, which slumped to nearly $70,000 last year, have rebounded to $120,000.
Those bets on GE and Goldman? They've made billions so far. And anyone who took Mr. Buffett's advice and invested in the stock market in October 2008, even through a simple index fund, is up about 25%.
This is nothing new, of course. Anyone who held a $10,000 stake in Berkshire Hathaway at the start of 1965 has about $80 million today.
How does he do it? Mr. Buffett explained his beliefs to new investors in his letter to stockholders Saturday:
Stay liquid. "We will never become dependent on the kindness of strangers," he wrote. "We will always arrange our affairs so that any requirements for cash we may conceivably have will be dwarfed by our own liquidity. Moreover, that liquidity will be constantly refreshed by a gusher of earnings from our many and diverse businesses."
Buy when everyone else is selling. "We've put a lot of money to work during the chaos of the last two years. It's been an ideal period for investors: A climate of fear is their best friend ... Big opportunities come infrequently. When it's raining gold, reach for a bucket, not a thimble."
Don't buy when everyone else is buying. "Those who invest only when commentators are upbeat end up paying a heavy price for meaningless reassurance," Mr. Buffett wrote. The obvious corollary is to be patient. You can only buy when everyone else is selling if you have held your fire when everyone was buying.
Value, value, value. "In the end, what counts in investing is what you pay for a business-through the purchase of a small piece of it in the stock market-and what that business earns in the succeeding decade or two."
Don't get suckered by big growth stories. Mr. Buffett reminded investors that he and Berkshire Vice Chairman Charlie Munger "avoid businesses whose futures we can't evaluate, no matter how exciting their products may be."
Most investors who bet on the auto industry in 1910, planes in 1930 or TV makers in 1950 ended up losing their shirts, even though the products really did change the world. "Dramatic growth" doesn't always lead to high profit margins and returns on capital. China, anyone?
Understand what you own. "Investors who buy and sell based upon media or analyst commentary are not for us," Mr. Buffett wrote.
"We want partners who join us at Berkshire because they wish to make a long-term investment in a business they themselves understand and because it's one that follows policies with which they concur."
Defense beats offense. "Though we have lagged the S&P in some years that were positive for the market, we have consistently done better than the S&P in the eleven years during which it delivered negative results. In other words, our defense has been better than our offense, and that's likely to continue." All timely advice from Mr. Buffett for turbulent times.
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
A 2008 academic study of Berkshire over a 30-year period attempted to uncover the secret of Warren Buffett's success. And recommended just imitating a winning investment strategy.
Imitation is the Sincerest Form of Flattery: Warren Buffett and Berkshire Hathaway
Gerald S. Martin, American University - Kogod School of Business
John Puthenpurackal, University of Nevada, Las Vegas - Department of Finance
April 15, 2008
Abstract:
We analyze Berkshire Hathaway's equity portfolio over the 1976 to 2006 period and explore potential explanations for its superior performance. Contrary to popular belief, we find Berkshire Hathaway invests primarily in large-cap growth rather than "value" stocks.
Over the period the portfolio beat the benchmarks in 27 out of 31 years, on average exceeding the S&P 500 Index by 11.14%, the value-weighted index of all stocks by 10.92%, and a Fama and French characteristic-based portfolio by 8.56% per year. Although beating the market in all but four years can statistically happen due to chance, incorporating the magnitude by which the portfolio beats the market makes a luck explanation extremely unlikely even after taking into account ex-post selection bias.
We find that Berkshire Hathaway's portfolio is concentrated in relatively few stocks with the top five holdings averaging 73% of the portfolio value. While increased volatility is normally associated with higher concentration we show the volatility of the portfolio is driven by large positive returns and not downside risk. The market appears to under-react to the news of a Berkshire Hathaway stock investment since a hypothetical portfolio that mimics the investments at the beginning of the following month after they are publicly disclosed also earns significantly positive abnormal returns of 10.75% over the S&P 500 Index.
Our evidence suggests the Berkshire Hathaway triumvirates of Warren Buffett, Charles Munger, and Lou Simpson posses' investment skill unlikely to be explained by Efficient Market Theory.
Source:
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=806246&rec=1&srcabs=1005564
To be blunt about it, Warren Buffett demolished the Efficient Market Theory.
You can read the rest of the study if you like. Time is short so let's look at the Wall Street Journal's summary from a 3/1/2010 report:
It might not be practical to buy all of Buffett’s holdings. He owns 40 stocks and many of them are tiny positions. Here are two other approaches investors can take:
Slightly speculative: Buy the stocks Buffett is increasing his positions in. The idea is you can get in at prices similar to Buffett and it might be the stocks he feels most strongly about right now.
This past quarter:
Republic Services (RSG): Buffett increased his holdings by 129%Market Folly summarizes the increases and decreases here.
The “Buffett Aristocrats”: The S&P publishes a list of its dividend aristocrats - stocks that have increased their dividends for more than 25 years in a row. Buffett owns a basket of these, which I call the Buffett Aristocrats. These might be solid plays both for the income (since you can feel comfortable that they will probably increase, or at least keep, their dividends in the future) and capital appreciation (all of these companies have done well over time and, besides, Buffett likes them):
BDX - has increased its dividend for 37 years in a row. 1.9% dividend
KO - 47 years - 3.3% yield
LOW - 47 years - 1.5%
*PG - 53 years - 2.8%
WMT - 35 years - 2%
*XOM - 27 years - 2.6%
*JNJ - 47 years - 3.1%
* Buffett reduced his position this past quarter
Source: http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
Well there you have it. Go and do likewise!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Berkshire Hathaway's annual shareholder letter and drew some marketing lessons for financial advisors. Now let's look at the shareholder letter and draw some lessons on how to invest your client's money.
Now let's review the letter again and get some investment insights from it. In the very first paragraph, he touts fabulous results for the past year:
Our gain in net worth during 2009 was $21.8 billion, which increased the per-share book value of both our Class A and Class B stock by 19.8%. Over the last 45 years (that is, since present management took over) book value has grown from $19 to $84,487, a rate of 20.3% compounded annually.*
I realize that past performance is no guarantee of future performance, but 20.3% for 45 years! Let's be thankful Berkshire is a public company so we can watch what Warren Buffett does and learn from a master. The Wall Street Journal aptly summarized results and investment philosophy:
On Saturday, Mr. Buffett's Berkshire Hathaway reported that net earnings rocketed 61% last year to $5,193 per share, while book value jumped 20% to a record high. Berkshire's Class A shares, which slumped to nearly $70,000 last year, have rebounded to $120,000.
Those bets on GE and Goldman? They've made billions so far. And anyone who took Mr. Buffett's advice and invested in the stock market in October 2008, even through a simple index fund, is up about 25%.
This is nothing new, of course. Anyone who held a $10,000 stake in Berkshire Hathaway at the start of 1965 has about $80 million today.
How does he do it? Mr. Buffett explained his beliefs to new investors in his letter to stockholders Saturday:
Stay liquid. "We will never become dependent on the kindness of strangers," he wrote. "We will always arrange our affairs so that any requirements for cash we may conceivably have will be dwarfed by our own liquidity. Moreover, that liquidity will be constantly refreshed by a gusher of earnings from our many and diverse businesses."
Buy when everyone else is selling. "We've put a lot of money to work during the chaos of the last two years. It's been an ideal period for investors: A climate of fear is their best friend ... Big opportunities come infrequently. When it's raining gold, reach for a bucket, not a thimble."
Don't buy when everyone else is buying. "Those who invest only when commentators are upbeat end up paying a heavy price for meaningless reassurance," Mr. Buffett wrote. The obvious corollary is to be patient. You can only buy when everyone else is selling if you have held your fire when everyone was buying.
Value, value, value. "In the end, what counts in investing is what you pay for a business-through the purchase of a small piece of it in the stock market-and what that business earns in the succeeding decade or two."
Don't get suckered by big growth stories. Mr. Buffett reminded investors that he and Berkshire Vice Chairman Charlie Munger "avoid businesses whose futures we can't evaluate, no matter how exciting their products may be."
Most investors who bet on the auto industry in 1910, planes in 1930 or TV makers in 1950 ended up losing their shirts, even though the products really did change the world. "Dramatic growth" doesn't always lead to high profit margins and returns on capital. China, anyone?
Understand what you own. "Investors who buy and sell based upon media or analyst commentary are not for us," Mr. Buffett wrote.
"We want partners who join us at Berkshire because they wish to make a long-term investment in a business they themselves understand and because it's one that follows policies with which they concur."
Defense beats offense. "Though we have lagged the S&P in some years that were positive for the market, we have consistently done better than the S&P in the eleven years during which it delivered negative results. In other words, our defense has been better than our offense, and that's likely to continue." All timely advice from Mr. Buffett for turbulent times.
Source: http://online.wsj.com/article/SB10001424052748704089904575093603081648166.html?mod=WSJ_hp_editorsPicks
A 2008 academic study of Berkshire over a 30-year period attempted to uncover the secret of Warren Buffett's success. And recommended just imitating a winning investment strategy.
Imitation is the Sincerest Form of Flattery: Warren Buffett and Berkshire Hathaway
Gerald S. Martin, American University - Kogod School of Business
John Puthenpurackal, University of Nevada, Las Vegas - Department of Finance
April 15, 2008
Abstract:
We analyze Berkshire Hathaway's equity portfolio over the 1976 to 2006 period and explore potential explanations for its superior performance. Contrary to popular belief, we find Berkshire Hathaway invests primarily in large-cap growth rather than "value" stocks.
Over the period the portfolio beat the benchmarks in 27 out of 31 years, on average exceeding the S&P 500 Index by 11.14%, the value-weighted index of all stocks by 10.92%, and a Fama and French characteristic-based portfolio by 8.56% per year. Although beating the market in all but four years can statistically happen due to chance, incorporating the magnitude by which the portfolio beats the market makes a luck explanation extremely unlikely even after taking into account ex-post selection bias.
We find that Berkshire Hathaway's portfolio is concentrated in relatively few stocks with the top five holdings averaging 73% of the portfolio value. While increased volatility is normally associated with higher concentration we show the volatility of the portfolio is driven by large positive returns and not downside risk. The market appears to under-react to the news of a Berkshire Hathaway stock investment since a hypothetical portfolio that mimics the investments at the beginning of the following month after they are publicly disclosed also earns significantly positive abnormal returns of 10.75% over the S&P 500 Index.
Our evidence suggests the Berkshire Hathaway triumvirates of Warren Buffett, Charles Munger, and Lou Simpson posses' investment skill unlikely to be explained by Efficient Market Theory.
Source:
http://papers.ssrn.com/sol3/papers.cfm?abstract_id=806246&rec=1&srcabs=1005564
To be blunt about it, Warren Buffett demolished the Efficient Market Theory.
You can read the rest of the study if you like. Time is short so let's look at the Wall Street Journal's summary from a 3/1/2010 report:
It might not be practical to buy all of Buffett’s holdings. He owns 40 stocks and many of them are tiny positions. Here are two other approaches investors can take:
Slightly speculative: Buy the stocks Buffett is increasing his positions in. The idea is you can get in at prices similar to Buffett and it might be the stocks he feels most strongly about right now.
This past quarter:
Republic Services (RSG): Buffett increased his holdings by 129%Market Folly summarizes the increases and decreases here.
The “Buffett Aristocrats”: The S&P publishes a list of its dividend aristocrats - stocks that have increased their dividends for more than 25 years in a row. Buffett owns a basket of these, which I call the Buffett Aristocrats. These might be solid plays both for the income (since you can feel comfortable that they will probably increase, or at least keep, their dividends in the future) and capital appreciation (all of these companies have done well over time and, besides, Buffett likes them):
BDX - has increased its dividend for 37 years in a row. 1.9% dividend
KO - 47 years - 3.3% yield
LOW - 47 years - 1.5%
*PG - 53 years - 2.8%
WMT - 35 years - 2%
*XOM - 27 years - 2.6%
*JNJ - 47 years - 3.1%
* Buffett reduced his position this past quarter
Source: http://blogs.wsj.com/financial-adviser/2010/03/01/introducing-the-buffett-aristocrats/
Well there you have it. Go and do likewise!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Investment Lessons from Warren Buffett
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons looks at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons looks at Warren Buffett's Berkshire Hathaway's annual shareholder letter to draw some lessons on how to invest your client's money.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/515-revision-11/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/515-revision-11/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 545
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 545
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-06 16:43:20
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
httpv://www.youtube.com/watch?v=54r49YIOm_k
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
httpv://www.youtube.com/watch?v=54r49YIOm_k
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Giving Away Great Information
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Giving Away Great Information
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=545
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=545
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 546
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
httpv://www.youtube.com/watch?v=54r49YIOm_k
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
httpv://www.youtube.com/watch?v=54r49YIOm_k
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Giving Away Great Information
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Giving Away Great Information
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 545-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 545-revision
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 545
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/545-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/545-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-06 16:40:27
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-07 00:40:27
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
httpv://www.youtube.com/watch?v=54r49YIOm_k
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
httpv://www.youtube.com/watch?v=54r49YIOm_k
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Giving Away Great Information
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Giving Away Great Information
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 545-revision-2
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 545
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 545
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/545-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/545-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-07 00:41:06
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
httpv://www.youtube.com/watch?v=54r49YIOm_k
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
httpv://www.youtube.com/watch?v=54r49YIOm_k
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Giving Away Great Information
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Giving Away Great Information
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 545
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 545
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/545-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/545-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-07 00:42:51
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
httpv://www.youtube.com/watch?v=54r49YIOm_k
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
httpv://www.youtube.com/watch?v=54r49YIOm_k
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Giving Away Great Information
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Giving Away Great Information
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 545
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/545-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/545-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-06 16:42:54
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-07 00:42:54
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
httpv://www.youtube.com/watch?v=54r49YIOm_k
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
httpv://www.youtube.com/watch?v=54r49YIOm_k
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Giving Away Great Information
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Giving Away Great Information
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/545-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/545-revision-5/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
httpv://www.youtube.com/watch?v=54r49YIOm_k
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
httpv://www.youtube.com/watch?v=54r49YIOm_k
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Giving Away Great Information
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Giving Away Great Information
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons explains how financial advisors can improve their marketing by giving away high quality and free information. Get a free sample for yourself at http://www.MoreAssetsNow.com !
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/545-autosave/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this insightful article, best-selling author Harvey Mackay explains how his "10 Commandments for the Office" will make you feel better at the end of a day. Your challenge is to live these principles out yourself and encourage your staff to do the same. Consider sending this list to your clients as well. Whether a big business or a home-based business, these "10 Commandments" will help them run a happier and more productive business.
10 Commandments for the Office 1. Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2. Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3. Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4. Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5. Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6. Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7. Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8. Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9. A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10. Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
Harvey Mackay's latest book might help someone you know get hired for the job they really want. "Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this insightful article, best-selling author Harvey Mackay explains how his "10 Commandments for the Office" will make you feel better at the end of a day. Your challenge is to live these principles out yourself and encourage your staff to do the same. Consider sending this list to your clients as well. Whether a big business or a home-based business, these "10 Commandments" will help them run a happier and more productive business.
10 Commandments for the Office 1. Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2. Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3. Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4. Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5. Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6. Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7. Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8. Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9. A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10. Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
Harvey Mackay's latest book might help someone you know get hired for the job they really want. "Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happier Office (and Home)
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay On How to Have a Happier Office (and Home)
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this insightful article, best-selling author Harvey Mackay explains how his "10 Commandments for the Office" will make you feel better at the end of a day. Your challenge is to live these principles out yourself and encourage your staff to do the same. Consider sending this list to your clients as well. Whether a big business or a home-based business, these "10 Commandments" will help them run a happier and more productive business.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this insightful article, best-selling author Harvey Mackay explains how his "10 Commandments for the Office" will make you feel better at the end of a day. Your challenge is to live these principles out yourself and encourage your staff to do the same. Consider sending this list to your clients as well. Whether a big business or a home-based business, these "10 Commandments" will help them run a happier and more productive business.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=552
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happy Office
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay On How to Have a Happy Office
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/552-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/552-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-11 10:47:43
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happy Office
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay On How to Have a Happy Office
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/552-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/552-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happy Office
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay On How to Have a Happy Office
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/552-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/552-revision-3/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happy Office
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happy Office
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10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happy Office
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay On How to Have a Happy Office
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happy Office
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/552-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/552-revision-6/
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10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happy Office
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay On How to Have a Happy Office
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/552-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/552-revision-7/
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10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happy Office
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay On How to Have a Happy Office
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 552-revision-9
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-11 18:59:29
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/552-revision-9/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: [iframe http://rcm.amazon.com/e/cm?lt1=_blank&bc1=000000&IS2=1&nou=1&bg1=FFFFFF&fc1=000000&lc1=0000FF&t=richardsentme-20&o=1&p=8&l=as1&m=amazon&f=ifr&md=10FE9736YVPPT7A0FBG2&asins=1591843219 120 240]
10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: [iframe http://rcm.amazon.com/e/cm?lt1=_blank&bc1=000000&IS2=1&nou=1&bg1=FFFFFF&fc1=000000&lc1=0000FF&t=richardsentme-20&o=1&p=8&l=as1&m=amazon&f=ifr&md=10FE9736YVPPT7A0FBG2&asins=1591843219 120 240]
10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happy Office
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/552-revision-10/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/552-revision-10/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: [iframe http://rcm.amazon.com/e/cm?lt1=_blank&bc1=000000&IS2=1&nou=1&bg1=FFFFFF&fc1=000000&lc1=0000FF&t=richardsentme-20&o=1&p=8&l=as1&m=amazon&f=ifr&md=10FE9736YVPPT7A0FBG2&asins=1591843219 120 240]
10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: [iframe http://rcm.amazon.com/e/cm?lt1=_blank&bc1=000000&IS2=1&nou=1&bg1=FFFFFF&fc1=000000&lc1=0000FF&t=richardsentme-20&o=1&p=8&l=as1&m=amazon&f=ifr&md=10FE9736YVPPT7A0FBG2&asins=1591843219 120 240]
10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happy Office
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/552-revision-11/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/552-revision-11/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay's latest book might help someone you know get hired for the job they really want. Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay's latest book might help someone you know get hired for the job they really want. Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happy Office
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay On How to Have a Happy Office
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 552-revision-13
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/552-revision-13/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/552-revision-13/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay's Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay's Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happy Office
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay On How to Have a Happy Office
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/552-revision-12/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/552-revision-12/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay's latest book might help someone you know get hired for the job they really want. Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay's latest book might help someone you know get hired for the job they really want. Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happy Office
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay On How to Have a Happy Office
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/552-revision-14/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/552-revision-14/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay's latest book might help someone you know get hired for the job they really want. Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay's latest book might help someone you know get hired for the job they really want. Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happy Office
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay On How to Have a Happy Office
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/552-revision-15/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/552-revision-15/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this insightful article, best-selling author Harvey Mackay explains how his "10 Commandments for the Office" will make you feel better at the end of a day. Your challenge is to live these principles out yourself and encourage your staff to do the same. Consider sending this list to your clients as well. Whether a big business or a home-based business, these "10 Commandments" will help them run a happier and more productive business. 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken. "Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this insightful article, best-selling author Harvey Mackay explains how his "10 Commandments for the Office" will make you feel better at the end of a day. Your challenge is to live these principles out yourself and encourage your staff to do the same. Consider sending this list to your clients as well. Whether a big business or a home-based business, these "10 Commandments" will help them run a happier and more productive business. 10 Commandments for the Office
By Harvey Mackay
It's just business as usual, day in and day out. The fast lane gets faster. Competition for business and jobs gets meaner. The world gets smaller every day. You've dealt with a hundred co-workers, customers, vendors, and the irritating kid who works at the lunch counter. It's time to go home and unwind.
The traffic jam gives you an opportunity to replay some of the day's encounters. Regrettably, you wish you would have handled a few things quite differently. How can you make tomorrow better?
My mother always told me, "You don't have to like everybody, but you do need to learn to get along."
Over the years, I've developed a list, a "Ten Commandments for the Office," which makes my commute home a little less guilt-ridden. Better yet, it's improved my commute to the office. If I follow my own advice, I won't have to spend my time apologizing for what I should have done in the first place. Try it out.
1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken. "Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happier Office (and Home)
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay On How to Have a Happier Office (and Home)
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this insightful article, best-selling author Harvey Mackay explains how his "10 Commandments for the Office" will make you feel better at the end of a day. Your challenge is to live these principles out yourself and encourage your staff to do the same. Consider sending this list to your clients as well. Whether a big business or a home-based business, these "10 Commandments" will help them run a happier and more productive business.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this insightful article, best-selling author Harvey Mackay explains how his "10 Commandments for the Office" will make you feel better at the end of a day. Your challenge is to live these principles out yourself and encourage your staff to do the same. Consider sending this list to your clients as well. Whether a big business or a home-based business, these "10 Commandments" will help them run a happier and more productive business.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/552-revision-16/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/552-revision-16/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this insightful article, best-selling author Harvey Mackay explains how his "10 Commandments for the Office" will make you feel better at the end of a day. Your challenge is to live these principles out yourself and encourage your staff to do the same. Consider sending this list to your clients as well. Whether a big business or a home-based business, these "10 Commandments" will help them run a happier and more productive business.
10 Commandments for the Office 1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
Harvey Mackay's latest book might help someone you know get hired for the job they really want. "Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this insightful article, best-selling author Harvey Mackay explains how his "10 Commandments for the Office" will make you feel better at the end of a day. Your challenge is to live these principles out yourself and encourage your staff to do the same. Consider sending this list to your clients as well. Whether a big business or a home-based business, these "10 Commandments" will help them run a happier and more productive business.
10 Commandments for the Office 1) Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2) Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3) Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4) Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5) Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6) Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7) Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8) Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9) A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10) Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
Harvey Mackay's latest book might help someone you know get hired for the job they really want. "Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happier Office (and Home)
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay On How to Have a Happier Office (and Home)
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this insightful article, best-selling author Harvey Mackay explains how his "10 Commandments for the Office" will make you feel better at the end of a day. Your challenge is to live these principles out yourself and encourage your staff to do the same. Consider sending this list to your clients as well. Whether a big business or a home-based business, these "10 Commandments" will help them run a happier and more productive business.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this insightful article, best-selling author Harvey Mackay explains how his "10 Commandments for the Office" will make you feel better at the end of a day. Your challenge is to live these principles out yourself and encourage your staff to do the same. Consider sending this list to your clients as well. Whether a big business or a home-based business, these "10 Commandments" will help them run a happier and more productive business.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/552-revision-17/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this insightful article, best-selling author Harvey Mackay explains how his "10 Commandments for the Office" will make you feel better at the end of a day. Your challenge is to live these principles out yourself and encourage your staff to do the same. Consider sending this list to your clients as well. Whether a big business or a home-based business, these "10 Commandments" will help them run a happier and more productive business.
10 Commandments for the Office 1. Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2. Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3. Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4. Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5. Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6. Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7. Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8. Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9. A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10. Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
Harvey Mackay's latest book might help someone you know get hired for the job they really want. "Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You"
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this insightful article, best-selling author Harvey Mackay explains how his "10 Commandments for the Office" will make you feel better at the end of a day. Your challenge is to live these principles out yourself and encourage your staff to do the same. Consider sending this list to your clients as well. Whether a big business or a home-based business, these "10 Commandments" will help them run a happier and more productive business.
10 Commandments for the Office 1. Be respectful. This includes respect for other people's property, ideas and time. Frankly, this commandment should about cover everything. If you are respectful of others, you can usually work out most issues - even if it's agreeing to disagree. An added bonus is that when you treat others with respect, they are more inclined to return the favor.
2. Follow through. If you promise to do something, do it. No ifs, buts or maybes. No excuses, no whining. You are only as good as your word. There will always be a place in this world for the person who says, "I'll take care of it." And then does it.
3. Think before you speak. Don't say whatever is on your mind, unless you want your mindless thoughts to come back to haunt you. Those ghosts can rise up years later, just when that promotion looks so promising. And while we're on the topic, remember that how you say something is as important as what you say.
4. Help out. So what if it's not in your job description. If you have an opportunity to be useful, jump at it. Even if the rewards are not in the form of a paycheck, your co-workers will remember who helped them when they needed it. Taking on a little extra work - or a lot - shows that you are a team player, an employee worth watching.
5. Learn something new every day. It could be a new skill. Maybe the latest developments in your industry. Or just the name of a person you see daily at the copy machine. You have millions of brain cells just waiting to work for you!
6. Pay attention. If you go directly to your cubicle and barricade yourself all day, you're missing important developments in your workplace. Not the gossipy events, of course, but the really good stuff - new procedures, new ideas and so on. This commandment also covers those occasions when the value of your input depends on your familiarity with the situation at hand. In short, always keep your antennae up!
7. Ignore pettiness. Rise above it, or you will be dragged down with it. There will always be someone who will make a mountain out of a molehill. It better not be you.
8. Be patient. Not to be confused with tolerating incompetence, this commandment covers a multitude of situations.; Someone misunderstood you. A job is taking longer than you planned. You are missing every traffic light. What will you gain by losing your cool? I'm not a patient guy by nature, so I've really had to work at this one. If I can do it, you can too!
9. A good attitude is up to you. It takes a lot for the world to come to an end, so don't act like it's happening every day. Be encouraging, be cheerful. Refuse to be brought down by minor - or major - setbacks. Bad attitudes are contagious. The good news is that positive attitudes are catching, too.
10. Do your best. Like commandment #1, this should also cover just about everything. No one can ask you to do more.
It's important to decide early on how you will conduct yourself. Then, when a crisis erupts or challenge arises, you won't have to think twice about the right thing to do. I've always said that perfect practice makes perfect. These rules are no exception. And just for the record, these commandments work outside the office too.
Mackay's Moral: Some rules are made not to be broken.
Harvey Mackay's latest book might help someone you know get hired for the job they really want. "Use Your Head to Get Your Foot in the Door: Job Search Secrets No One Else Will Tell You"
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Harvey Mackay On How to Have a Happier Office (and Home)
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Harvey Mackay On How to Have a Happier Office (and Home)
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this insightful article, best-selling author Harvey Mackay explains how his "10 Commandments for the Office" will make you feel better at the end of a day. Your challenge is to live these principles out yourself and encourage your staff to do the same. Consider sending this list to your clients as well. Whether a big business or a home-based business, these "10 Commandments" will help them run a happier and more productive business.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this insightful article, best-selling author Harvey Mackay explains how his "10 Commandments for the Office" will make you feel better at the end of a day. Your challenge is to live these principles out yourself and encourage your staff to do the same. Consider sending this list to your clients as well. Whether a big business or a home-based business, these "10 Commandments" will help them run a happier and more productive business.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/552-revision-18/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/552-revision-18/
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The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history. Charles Adams' book helps us understand why historical events happened and offers many lessons to us today.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history. Charles Adams' book helps us understand why historical events happened and offers many lessons to us today.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: for-good-and-evil-impact-of-taxes-on-course-of-civilization
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=571
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=571
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 571-revision
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 571
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/571-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/571-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 571
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/571-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/571-revision-2/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history.
Charles Adams' book helps us understand why historical events happened and offers many lessons to us today. Some simply are facinating:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history.
Charles Adams' book helps us understand why historical events happened and offers many lessons to us today. Some simply are facinating:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/571-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/571-revision-3/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-15 22:38:40
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history.
Charles Adams' book helps us understand why historical events happened and offers many lessons to us today. Some simply are facinating:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history.
Charles Adams' book helps us understand why historical events happened and offers many lessons to us today. Some simply are facinating:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 571-revision-6
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 571
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 571
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/571-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/571-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
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Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history.
Charles Adams' book helps us understand why historical events happened and offers many lessons to us today. Some simply are facinating:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history.
Charles Adams' book helps us understand why historical events happened and offers many lessons to us today. Some simply are facinating:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/571-revision-4/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history.
Charles Adams' book helps us understand why historical events happened and offers many lessons to us today. Some simply are facinating:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history.
Charles Adams' book helps us understand why historical events happened and offers many lessons to us today. Some simply are facinating:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/571-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/571-revision-5/
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 05:40:16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history.
Charles Adams' book helps us understand why historical events happened and offers many lessons to us today. Some simply are facinating:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history.
Charles Adams' book helps us understand why historical events happened and offers many lessons to us today. Some simply are facinating:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/571-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/571-revision-7/
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The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 571-revision-9
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/571-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/571-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 571-revision-8
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 571-revision-8
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-15 22:47:43
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 05:47:43
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 571
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 571
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/571-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/571-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history. Charles Adams' book helps us understand why historical events happened and offers many lessons to us today.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history. Charles Adams' book helps us understand why historical events happened and offers many lessons to us today.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 571-revision-15
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 571-revision-15
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-15 23:02:08
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 06:02:08
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 571
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 571
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/571-revision-15/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/571-revision-15/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history. Charles Adams' book helps us understand why historical events happened and offers many lessons to us today.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history. Charles Adams' book helps us understand why historical events happened and offers many lessons to us today.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 571-revision-16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 571-revision-16
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 06:03:36
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 571
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 571
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/571-revision-16/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/571-revision-16/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 06:03:53
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 06:03:53
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history. Charles Adams' book helps us understand why historical events happened and offers many lessons to us today.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history. Charles Adams' book helps us understand why historical events happened and offers many lessons to us today.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 571-revision-17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 571-revision-17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-15 23:03:53
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-15 23:03:53
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 06:03:53
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 06:03:53
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 571
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 571
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/571-revision-17/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/571-revision-17/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 591
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 591
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-15 23:04:44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-15 23:04:44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 06:04:44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 06:04:44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
The Rosetta Stone's words were literally written in stone to memorialize tax exemption for priests and were found in all temples.
Egyptians taxed cooking oil at 20% and scribes "made regular inspections of all kitchens to make sure wives were not using free drippings in place of the taxed oil they were required to use."
Queen Elizabeth I once said, "To tax and to be loved is not given to man." She chose to be loved by her subjects and "to accept what revenue they were willing to give her." No oaths, no inquisitions, and no coercion. Yet when the need arose, she was given the tax money to defeat the Spanish Armada and position England to become a superpower.
The Spanish Empire collapsed for the same reason as Rome: farmers were taxed heavily and civil servants were tax exempt. So farmers naturally quit farming to take government jobs.
You'll also see why the power to tax and the power to spend should not be held by the same branch of government be it the King, the Parliament, or the Congress. For instance, Queen Elizabeth had the power to spend money on the army and navy but only Parliament could authorize new taxes.
This book should be required reading for all Congressmen. Why keep making the same tax policy mistakes which have plagued countries in the past?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: "For Good and Evil: The Impact of Taxes On the Course of Civilization" by Charles Adams
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history. Charles Adams' book helps us understand why historical events happened and offers many lessons to us today.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Today being March 15th, let's celebrate "Tax Day" for corporations in America by taking a look at a wonderful book on the impact of taxation on throughout recorded history. Charles Adams' book helps us understand why historical events happened and offers many lessons to us today.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 571-revision-18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 571-revision-18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-15 23:04:44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-15 23:04:44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 06:04:44
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 06:04:44
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 571
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 571
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/571-revision-18/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/571-revision-18/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:45:52
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:45:52
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:45:52
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:45:52
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpvh://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpvh://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are fill the room with attendees, fill attendees with great information, and get attendees to take the next step. For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are fill the room with attendees, fill attendees with great information, and get attendees to take the next step. For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: advisor-marketing-3-keys-seminar-success
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: advisor-marketing-3-keys-seminar-success
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:51:28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:51:28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:51:28
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:51:28
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=592
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=592
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: post
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 593
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 593
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:39:42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:39:42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:39:42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:39:42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpv://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpv://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592-revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:39:42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:39:42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:39:42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:39:42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/592-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/592-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 594
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 594
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:40:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:40:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:40:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:40:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpv://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpv://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:40:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:40:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:40:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:40:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/592-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/592-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 595
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 595
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:41:00
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:41:00
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:41:00
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:41:00
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpv://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpv://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:41:00
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:41:00
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:41:00
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:41:00
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/592-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/592-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 596
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 596
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:41:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:41:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:41:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:41:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpv://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpv://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:41:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:41:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:41:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:41:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/592-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/592-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 597
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 597
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:42:03
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:42:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:42:03
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:42:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpvh://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpvh://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:42:03
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:42:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:42:03
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:42:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/592-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/592-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 598
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 598
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:43:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:43:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:43:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:43:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpvh://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpvh://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are fill the room with attendees
2. Fill attendees with great information
3. Get attendees to take the first step
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are fill the room with attendees
2. Fill attendees with great information
3. Get attendees to take the first step
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:43:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:43:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:43:07
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:43:07
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/592-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/592-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 599
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 599
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:44:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:44:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:44:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:44:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpvh://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpvh://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are fill the room with attendees, fill attendees with great information, and get attendees to take the next step. For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are fill the room with attendees, fill attendees with great information, and get attendees to take the next step. For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:44:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:44:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:44:57
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:44:57
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/592-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/592-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 600
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 600
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:44:58
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:44:58
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:44:58
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:44:58
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpvh://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpvh://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are fill the room with attendees, fill attendees with great information, and get attendees to take the next step. For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are fill the room with attendees, fill attendees with great information, and get attendees to take the next step. For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592-revision-8
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592-revision-8
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:44:58
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-16 21:44:58
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 04:44:58
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:44:58
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/592-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/592-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpvh://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpvh://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are fill the room with attendees, fill attendees with great information, and get attendees to take the next step. For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are fill the room with attendees, fill attendees with great information, and get attendees to take the next step. For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592-autosave
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/592-autosave/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/592-autosave/
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 04:45:52
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpvh://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are
Fill the room with attendees
Fill attendees with great information
Get attendees to take the first step
httpvh://www.youtube.com/watch?v=o0kkZyN1Icc
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: 3 Keys to Seminar Success
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are fill the room with attendees, fill attendees with great information, and get attendees to take the next step. For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons tells financial advisors how to expand their practices with successful community seminars. The 3 keys to successful seminars are fill the room with attendees, fill attendees with great information, and get attendees to take the next step. For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592-revision-9
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-16 21:45:52
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 592
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/592-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/592-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 603
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 603
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 20:24:16
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-18 03:24:16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-18 03:24:16
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Wow. I just read that Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page.
Facebook becomes bigger hit than Google
By Chris Nuttall and David Gelles in San Francisco
Published: March 16 2010 13:15 | Last updated: March 17 2010 00:10
Social networking website Facebook has capped a year of phenomenal growth by overtaking Google’s popularity among US internet users, with industry data showing it has scored more visits on its home page than the search engine.
Read the rest of the article
The ABC's of Social Networking
You may be like me a couple years ago when I asked my 15-year old daughter to help me set up a Facebook account. What did it mean to "write on someone's wall"? I had no idea.
I set up a Facebook page mainly to keep up on my daughters' social activities. And soon old high school classmates would find me and we'd exchange some mail. The idea was to keep up with your "Friends" by reading what they're up to and leaving status updates on what you're up to. I could update my Facebook page now with something like "I am explaining what Facebook is all about to a bunch of financial advisors" but that would be a bit lame. I recommend you ask your own son or daughter so I won't try to do it here.
Ditto for Twitter. Twitter is "micro-blogging" because you're limited to 140 characters per entry. Not words and not letters so you need to be really concise. This paragraph is 203 characters by the way.
LinkedIn.com is like Facebook for business owners and professionals. Unlike Twitter and Facebook, LinkedIn charges a monthly fee to get full functionality.
Should Advisors Care?
Yes and no. You need to stay in touch with your clients and "social networking" sites like Facebook, Twitter, and LinkedIn will be used by more and more of your clients. Over time, your prospective clients will find you on these sites and check you out. And your clients will want to keep in touch with you and what's going on.
Yet don't think you need to spend a lot of time here. You're probably busy enough as it is. Plus your compliance department might give you a big thumbs down. So should you do anything?
Yes. I strongly recommend that you grab your profile names NOW so you'll have them later.
Think back to that modern marketing miracle: the 800 number. Customers could call companies without making a long distance phone call or calling collect. Whole advertising campaigns promoted vanity 800 numbers like 1-800-FLOWERS. Imagine snagging 1-800-PLANNER back in 1964 when AT&T created the idea...it would have cost you a fortune if you could have gotten it. Not to mention you were 6 years old at the time.
Thankfully you can reserve your profile names now and use them more later. Here are my profile pages:
Facebook: http://www.facebook.com/richardemmons
Twitter: http://www.twitter.com/richardemmons
LinkedIn: http://www.linkedin.com/in/richardemmons
MySpace: http://www.myspace.com/richardemmons
I use Facebook the most out of these 4. Yet I just checked and discovered 28 people wished me "Happy Birthday!" a couple weeks ago. And I never commented back. I guess I had too much face time with family and friends to make time for Facebook. Oh well.
You'll notice that I automatically "tweet" my posts on this site to Twitter. Occasionally I'll toss in a quote or a status update.
I do a little bit with LinkedIn and am open to suggestions on how to use it. I joined several LinkedIn Groups related to estate planning and senior advisor marketing so I get some good articles. And a lot of fluff updates in my in-box.
I threw in MySpace as an example of reserving it and not using it. MySpace was passed up a long time ago by Facebook and will probably never recover. You never know and it cost me nothing to set up and nothing to maintain.
My recommendation is to click through and sign up for these services now. Get the best profile name you can get. If your name is taken, you can add "cfp" to your profile, put in an under_score or a period between your first and last names.
Future articles will explain how to use these profiles to help grow your business. For now just stake your claim and get your name!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Wow. I just read that Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page.
Facebook becomes bigger hit than Google
By Chris Nuttall and David Gelles in San Francisco
Published: March 16 2010 13:15 | Last updated: March 17 2010 00:10
Social networking website Facebook has capped a year of phenomenal growth by overtaking Google’s popularity among US internet users, with industry data showing it has scored more visits on its home page than the search engine.
Read the rest of the article
The ABC's of Social Networking
You may be like me a couple years ago when I asked my 15-year old daughter to help me set up a Facebook account. What did it mean to "write on someone's wall"? I had no idea.
I set up a Facebook page mainly to keep up on my daughters' social activities. And soon old high school classmates would find me and we'd exchange some mail. The idea was to keep up with your "Friends" by reading what they're up to and leaving status updates on what you're up to. I could update my Facebook page now with something like "I am explaining what Facebook is all about to a bunch of financial advisors" but that would be a bit lame. I recommend you ask your own son or daughter so I won't try to do it here.
Ditto for Twitter. Twitter is "micro-blogging" because you're limited to 140 characters per entry. Not words and not letters so you need to be really concise. This paragraph is 203 characters by the way.
LinkedIn.com is like Facebook for business owners and professionals. Unlike Twitter and Facebook, LinkedIn charges a monthly fee to get full functionality.
Should Advisors Care?
Yes and no. You need to stay in touch with your clients and "social networking" sites like Facebook, Twitter, and LinkedIn will be used by more and more of your clients. Over time, your prospective clients will find you on these sites and check you out. And your clients will want to keep in touch with you and what's going on.
Yet don't think you need to spend a lot of time here. You're probably busy enough as it is. Plus your compliance department might give you a big thumbs down. So should you do anything?
Yes. I strongly recommend that you grab your profile names NOW so you'll have them later.
Think back to that modern marketing miracle: the 800 number. Customers could call companies without making a long distance phone call or calling collect. Whole advertising campaigns promoted vanity 800 numbers like 1-800-FLOWERS. Imagine snagging 1-800-PLANNER back in 1964 when AT&T created the idea...it would have cost you a fortune if you could have gotten it. Not to mention you were 6 years old at the time.
Thankfully you can reserve your profile names now and use them more later. Here are my profile pages:
Facebook: http://www.facebook.com/richardemmons
Twitter: http://www.twitter.com/richardemmons
LinkedIn: http://www.linkedin.com/in/richardemmons
MySpace: http://www.myspace.com/richardemmons
I use Facebook the most out of these 4. Yet I just checked and discovered 28 people wished me "Happy Birthday!" a couple weeks ago. And I never commented back. I guess I had too much face time with family and friends to make time for Facebook. Oh well.
You'll notice that I automatically "tweet" my posts on this site to Twitter. Occasionally I'll toss in a quote or a status update.
I do a little bit with LinkedIn and am open to suggestions on how to use it. I joined several LinkedIn Groups related to estate planning and senior advisor marketing so I get some good articles. And a lot of fluff updates in my in-box.
I threw in MySpace as an example of reserving it and not using it. MySpace was passed up a long time ago by Facebook and will probably never recover. You never know and it cost me nothing to set up and nothing to maintain.
My recommendation is to click through and sign up for these services now. Get the best profile name you can get. If your name is taken, you can add "cfp" to your profile, put in an under_score or a period between your first and last names.
Future articles will explain how to use these profiles to help grow your business. For now just stake your claim and get your name!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Should Financial Advisors Use Facebook and Twitter?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Should Financial Advisors Use Facebook and Twitter?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page. What should financial advisors do now in this area?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page. What should financial advisors do now in this area?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: should-financial-advisor-use-facebook-twitter
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=603
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=603
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: post
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Facebook_passes_google
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: facebook_passes_google
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/Facebook_passes_google.gif
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/Facebook_passes_google.gif
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 15:06:29
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Wow. I just read that Facebook.com just surpassed Google.com for traffic.
Facebook becomes bigger hit than Google
By Chris Nuttall and David Gelles in San Francisco
Published: March 16 2010 13:15 | Last updated: March 17 2010 00:10
Social networking website Facebook has capped a year of phenomenal growth by overtaking Google’s popularity among US internet users, with industry data showing it has scored more visits on its home page than the search engine.
Facebook becomes bigger hit than Google
By Chris Nuttall and David Gelles in San Francisco
Published: March 16 2010 13:15 | Last updated: March 17 2010 00:10
Social networking website Facebook has capped a year of phenomenal growth by overtaking Google’s popularity among US internet users, with industry data showing it has scored more visits on its home page than the search engine.
Read the rest of the article
The ABC's of Social Networking
You may be like me a couple years ago when I asked my 15-year old daughter to help me set up a Facebook account. What did it mean to "write on someone's wall"? I had no idea.
I set up a Facebook page mainly to keep up on my daughters' social activities. And soon old high school classmates would find me and we'd exchange some mail. The idea was to keep up with your "Friends" by reading what they're up to and leaving status updates on what you're up to. I could update my Facebook page now with something like "I am explaining what Facebook is all about to a bunch of financial advisors" but that would be a bit lame. I recommend you ask your own son or daughter so I won't try to do it here.
Ditto for Twitter. Twitter is "micro-blogging" because you're limited to 140 characters per entry. Not words and not letters so you need to be really concise. This paragraph is 203 characters by the way.
LinkedIn.com is like Facebook for business owners and professionals. Unlike Twitter and Facebook, LinkedIn charges a monthly fee to get full functionality.
Should Advisors Care?
Yes and no. You need to stay in touch with your clients and "social networking" sites like Facebook, Twitter, and LinkedIn will be used by more and more of your clients. Over time, your prospective clients will find you on these sites and check you out. And your clients will want to keep in touch with you and what's going on.
Yet don't think you need to spend a lot of time here. You're probably busy enough as it is. Plus your compliance department might give you a big thumbs down. So should you do anything?
Yes. I strongly recommend that you grab your profile names NOW so you'll have them later.
Think back to that modern marketing miracle: the 800 number. Customers could call companies without making a long distance phone call or calling collect. Whole advertising campaigns promoted vanity 800 numbers like 1-800-FLOWERS. Imagine snagging 1-800-PLANNER back in 1964 when AT&T created the idea...it would have cost you a fortune if you could have gotten it. Not to mention you were 6 years old at the time.
Thankfully you can reserve your profile names now and use them more later. Here are my profile pages:
Facebook: http://www.facebook.com/richardemmons
Twitter: http://www.twitter.com/richardemmons
LinkedIn: http://www.linkedin.com/in/richardemmons
MySpace: http://www.myspace.com/richardemmons
I use Facebook the most out of these 4. Yet I just checked and 28 people wished me "Happy Birthday!" a couple weeks ago. I guess I did too much face time with family and friends to make time for Facebook. Oh well.
You'll notice that I automatically "tweet" my posts on this site to Twitter. Occasionally I'll toss in a quote or a status update.
I do a little bit with LinkedIn and am open to suggestions on how to use it. I joined several LinkedIn Groups related to estate planning and senior advisor marketing so I get some good articles. And a lot of fluff updates in my in-box.
I threw in MySpace as an example of reserving it and not using it. MySpace was passed up a long time ago by Facebook and will probably never recover. You never know and it cost me nothing to set up and nothing to maintain.
My recommendation is to click through and sign up for these services now. Get the best profile name you can get. If your name is taken, you can add "cfp" to your profile, put in an under_score or a period between your first and last names.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Wow. I just read that Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page.
Facebook becomes bigger hit than Google
By Chris Nuttall and David Gelles in San Francisco
Published: March 16 2010 13:15 | Last updated: March 17 2010 00:10
Social networking website Facebook has capped a year of phenomenal growth by overtaking Google’s popularity among US internet users, with industry data showing it has scored more visits on its home page than the search engine.
Read the rest of the article
The ABC's of Social Networking
You may be like me a couple years ago when I asked my 15-year old daughter to help me set up a Facebook account. What did it mean to "write on someone's wall"? I had no idea.
I set up a Facebook page mainly to keep up on my daughters' social activities. And soon old high school classmates would find me and we'd exchange some mail. The idea was to keep up with your "Friends" by reading what they're up to and leaving status updates on what you're up to. I could update my Facebook page now with something like "I am explaining what Facebook is all about to a bunch of financial advisors" but that would be a bit lame. I recommend you ask your own son or daughter so I won't try to do it here.
Ditto for Twitter. Twitter is "micro-blogging" because you're limited to 140 characters per entry. Not words and not letters so you need to be really concise. This paragraph is 203 characters by the way.
LinkedIn.com is like Facebook for business owners and professionals. Unlike Twitter and Facebook, LinkedIn charges a monthly fee to get full functionality.
Should Advisors Care?
Yes and no. You need to stay in touch with your clients and "social networking" sites like Facebook, Twitter, and LinkedIn will be used by more and more of your clients. Over time, your prospective clients will find you on these sites and check you out. And your clients will want to keep in touch with you and what's going on.
Yet don't think you need to spend a lot of time here. You're probably busy enough as it is. Plus your compliance department might give you a big thumbs down. So should you do anything?
Yes. I strongly recommend that you grab your profile names NOW so you'll have them later.
Think back to that modern marketing miracle: the 800 number. Customers could call companies without making a long distance phone call or calling collect. Whole advertising campaigns promoted vanity 800 numbers like 1-800-FLOWERS. Imagine snagging 1-800-PLANNER back in 1964 when AT&T created the idea...it would have cost you a fortune if you could have gotten it. Not to mention you were 6 years old at the time.
Thankfully you can reserve your profile names now and use them more later. Here are my profile pages:
Facebook: http://www.facebook.com/richardemmons
Twitter: http://www.twitter.com/richardemmons
LinkedIn: http://www.linkedin.com/in/richardemmons
MySpace: http://www.myspace.com/richardemmons
I use Facebook the most out of these 4. Yet I just checked and 28 people wished me "Happy Birthday!" a couple weeks ago. I guess I did too much face time with family and friends to make time for Facebook. Oh well.
You'll notice that I automatically "tweet" my posts on this site to Twitter. Occasionally I'll toss in a quote or a status update.
I do a little bit with LinkedIn and am open to suggestions on how to use it. I joined several LinkedIn Groups related to estate planning and senior advisor marketing so I get some good articles. And a lot of fluff updates in my in-box.
I threw in MySpace as an example of reserving it and not using it. MySpace was passed up a long time ago by Facebook and will probably never recover. You never know and it cost me nothing to set up and nothing to maintain.
My recommendation is to click through and sign up for these services now. Get the best profile name you can get. If your name is taken, you can add "cfp" to your profile, put in an under_score or a period between your first and last names.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Should Financial Advisors Use Facebook and Twitter?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Should Financial Advisors Use Facebook and Twitter?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page. What should financial advisors do now in this area?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page. What should financial advisors do now in this area?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 603-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 603-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 20:22:01
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 20:22:01
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-18 03:22:01
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-18 03:22:01
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 603
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 603
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/603-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/603-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 607
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 607
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 20:22:39
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 20:22:39
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-18 03:22:39
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-18 03:22:39
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Wow. I just read that Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page.
Facebook becomes bigger hit than Google
By Chris Nuttall and David Gelles in San Francisco
Published: March 16 2010 13:15 | Last updated: March 17 2010 00:10
Social networking website Facebook has capped a year of phenomenal growth by overtaking Google’s popularity among US internet users, with industry data showing it has scored more visits on its home page than the search engine.
Read the rest of the article
The ABC's of Social Networking
You may be like me a couple years ago when I asked my 15-year old daughter to help me set up a Facebook account. What did it mean to "write on someone's wall"? I had no idea.
I set up a Facebook page mainly to keep up on my daughters' social activities. And soon old high school classmates would find me and we'd exchange some mail. The idea was to keep up with your "Friends" by reading what they're up to and leaving status updates on what you're up to. I could update my Facebook page now with something like "I am explaining what Facebook is all about to a bunch of financial advisors" but that would be a bit lame. I recommend you ask your own son or daughter so I won't try to do it here.
Ditto for Twitter. Twitter is "micro-blogging" because you're limited to 140 characters per entry. Not words and not letters so you need to be really concise. This paragraph is 203 characters by the way.
LinkedIn.com is like Facebook for business owners and professionals. Unlike Twitter and Facebook, LinkedIn charges a monthly fee to get full functionality.
Should Advisors Care?
Yes and no. You need to stay in touch with your clients and "social networking" sites like Facebook, Twitter, and LinkedIn will be used by more and more of your clients. Over time, your prospective clients will find you on these sites and check you out. And your clients will want to keep in touch with you and what's going on.
Yet don't think you need to spend a lot of time here. You're probably busy enough as it is. Plus your compliance department might give you a big thumbs down. So should you do anything?
Yes. I strongly recommend that you grab your profile names NOW so you'll have them later.
Think back to that modern marketing miracle: the 800 number. Customers could call companies without making a long distance phone call or calling collect. Whole advertising campaigns promoted vanity 800 numbers like 1-800-FLOWERS. Imagine snagging 1-800-PLANNER back in 1964 when AT&T created the idea...it would have cost you a fortune if you could have gotten it. Not to mention you were 6 years old at the time.
Thankfully you can reserve your profile names now and use them more later. Here are my profile pages:
Facebook: http://www.facebook.com/richardemmons
Twitter: http://www.twitter.com/richardemmons
LinkedIn: http://www.linkedin.com/in/richardemmons
MySpace: http://www.myspace.com/richardemmons
I use Facebook the most out of these 4. Yet I just checked and 28 people wished me "Happy Birthday!" a couple weeks ago. I guess I did too much face time with family and friends to make time for Facebook. Oh well.
You'll notice that I automatically "tweet" my posts on this site to Twitter. Occasionally I'll toss in a quote or a status update.
I do a little bit with LinkedIn and am open to suggestions on how to use it. I joined several LinkedIn Groups related to estate planning and senior advisor marketing so I get some good articles. And a lot of fluff updates in my in-box.
I threw in MySpace as an example of reserving it and not using it. MySpace was passed up a long time ago by Facebook and will probably never recover. You never know and it cost me nothing to set up and nothing to maintain.
My recommendation is to click through and sign up for these services now. Get the best profile name you can get. If your name is taken, you can add "cfp" to your profile, put in an under_score or a period between your first and last names.
Future articles will explain how to use these profiles to help grow your business. For now just stake your claim and get your name!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Wow. I just read that Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page.
Facebook becomes bigger hit than Google
By Chris Nuttall and David Gelles in San Francisco
Published: March 16 2010 13:15 | Last updated: March 17 2010 00:10
Social networking website Facebook has capped a year of phenomenal growth by overtaking Google’s popularity among US internet users, with industry data showing it has scored more visits on its home page than the search engine.
Read the rest of the article
The ABC's of Social Networking
You may be like me a couple years ago when I asked my 15-year old daughter to help me set up a Facebook account. What did it mean to "write on someone's wall"? I had no idea.
I set up a Facebook page mainly to keep up on my daughters' social activities. And soon old high school classmates would find me and we'd exchange some mail. The idea was to keep up with your "Friends" by reading what they're up to and leaving status updates on what you're up to. I could update my Facebook page now with something like "I am explaining what Facebook is all about to a bunch of financial advisors" but that would be a bit lame. I recommend you ask your own son or daughter so I won't try to do it here.
Ditto for Twitter. Twitter is "micro-blogging" because you're limited to 140 characters per entry. Not words and not letters so you need to be really concise. This paragraph is 203 characters by the way.
LinkedIn.com is like Facebook for business owners and professionals. Unlike Twitter and Facebook, LinkedIn charges a monthly fee to get full functionality.
Should Advisors Care?
Yes and no. You need to stay in touch with your clients and "social networking" sites like Facebook, Twitter, and LinkedIn will be used by more and more of your clients. Over time, your prospective clients will find you on these sites and check you out. And your clients will want to keep in touch with you and what's going on.
Yet don't think you need to spend a lot of time here. You're probably busy enough as it is. Plus your compliance department might give you a big thumbs down. So should you do anything?
Yes. I strongly recommend that you grab your profile names NOW so you'll have them later.
Think back to that modern marketing miracle: the 800 number. Customers could call companies without making a long distance phone call or calling collect. Whole advertising campaigns promoted vanity 800 numbers like 1-800-FLOWERS. Imagine snagging 1-800-PLANNER back in 1964 when AT&T created the idea...it would have cost you a fortune if you could have gotten it. Not to mention you were 6 years old at the time.
Thankfully you can reserve your profile names now and use them more later. Here are my profile pages:
Facebook: http://www.facebook.com/richardemmons
Twitter: http://www.twitter.com/richardemmons
LinkedIn: http://www.linkedin.com/in/richardemmons
MySpace: http://www.myspace.com/richardemmons
I use Facebook the most out of these 4. Yet I just checked and 28 people wished me "Happy Birthday!" a couple weeks ago. I guess I did too much face time with family and friends to make time for Facebook. Oh well.
You'll notice that I automatically "tweet" my posts on this site to Twitter. Occasionally I'll toss in a quote or a status update.
I do a little bit with LinkedIn and am open to suggestions on how to use it. I joined several LinkedIn Groups related to estate planning and senior advisor marketing so I get some good articles. And a lot of fluff updates in my in-box.
I threw in MySpace as an example of reserving it and not using it. MySpace was passed up a long time ago by Facebook and will probably never recover. You never know and it cost me nothing to set up and nothing to maintain.
My recommendation is to click through and sign up for these services now. Get the best profile name you can get. If your name is taken, you can add "cfp" to your profile, put in an under_score or a period between your first and last names.
Future articles will explain how to use these profiles to help grow your business. For now just stake your claim and get your name!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Should Financial Advisors Use Facebook and Twitter?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Should Financial Advisors Use Facebook and Twitter?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page. What should financial advisors do now in this area?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page. What should financial advisors do now in this area?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 603-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 603-revision-3
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 20:22:39
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 20:22:39
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-18 03:22:39
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-18 03:22:39
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 603
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 603
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/603-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/603-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 608
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 608
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 20:22:45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 20:22:45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-18 03:22:45
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-18 03:22:45
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Wow. I just read that Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page.
Facebook becomes bigger hit than Google
By Chris Nuttall and David Gelles in San Francisco
Published: March 16 2010 13:15 | Last updated: March 17 2010 00:10
Social networking website Facebook has capped a year of phenomenal growth by overtaking Google’s popularity among US internet users, with industry data showing it has scored more visits on its home page than the search engine.
Read the rest of the article
The ABC's of Social Networking
You may be like me a couple years ago when I asked my 15-year old daughter to help me set up a Facebook account. What did it mean to "write on someone's wall"? I had no idea.
I set up a Facebook page mainly to keep up on my daughters' social activities. And soon old high school classmates would find me and we'd exchange some mail. The idea was to keep up with your "Friends" by reading what they're up to and leaving status updates on what you're up to. I could update my Facebook page now with something like "I am explaining what Facebook is all about to a bunch of financial advisors" but that would be a bit lame. I recommend you ask your own son or daughter so I won't try to do it here.
Ditto for Twitter. Twitter is "micro-blogging" because you're limited to 140 characters per entry. Not words and not letters so you need to be really concise. This paragraph is 203 characters by the way.
LinkedIn.com is like Facebook for business owners and professionals. Unlike Twitter and Facebook, LinkedIn charges a monthly fee to get full functionality.
Should Advisors Care?
Yes and no. You need to stay in touch with your clients and "social networking" sites like Facebook, Twitter, and LinkedIn will be used by more and more of your clients. Over time, your prospective clients will find you on these sites and check you out. And your clients will want to keep in touch with you and what's going on.
Yet don't think you need to spend a lot of time here. You're probably busy enough as it is. Plus your compliance department might give you a big thumbs down. So should you do anything?
Yes. I strongly recommend that you grab your profile names NOW so you'll have them later.
Think back to that modern marketing miracle: the 800 number. Customers could call companies without making a long distance phone call or calling collect. Whole advertising campaigns promoted vanity 800 numbers like 1-800-FLOWERS. Imagine snagging 1-800-PLANNER back in 1964 when AT&T created the idea...it would have cost you a fortune if you could have gotten it. Not to mention you were 6 years old at the time.
Thankfully you can reserve your profile names now and use them more later. Here are my profile pages:
Facebook: http://www.facebook.com/richardemmons
Twitter: http://www.twitter.com/richardemmons
LinkedIn: http://www.linkedin.com/in/richardemmons
MySpace: http://www.myspace.com/richardemmons
I use Facebook the most out of these 4. Yet I just checked and 28 people wished me "Happy Birthday!" a couple weeks ago. I guess I did too much face time with family and friends to make time for Facebook. Oh well.
You'll notice that I automatically "tweet" my posts on this site to Twitter. Occasionally I'll toss in a quote or a status update.
I do a little bit with LinkedIn and am open to suggestions on how to use it. I joined several LinkedIn Groups related to estate planning and senior advisor marketing so I get some good articles. And a lot of fluff updates in my in-box.
I threw in MySpace as an example of reserving it and not using it. MySpace was passed up a long time ago by Facebook and will probably never recover. You never know and it cost me nothing to set up and nothing to maintain.
My recommendation is to click through and sign up for these services now. Get the best profile name you can get. If your name is taken, you can add "cfp" to your profile, put in an under_score or a period between your first and last names.
Future articles will explain how to use these profiles to help grow your business. For now just stake your claim and get your name!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Wow. I just read that Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page.
Facebook becomes bigger hit than Google
By Chris Nuttall and David Gelles in San Francisco
Published: March 16 2010 13:15 | Last updated: March 17 2010 00:10
Social networking website Facebook has capped a year of phenomenal growth by overtaking Google’s popularity among US internet users, with industry data showing it has scored more visits on its home page than the search engine.
Read the rest of the article
The ABC's of Social Networking
You may be like me a couple years ago when I asked my 15-year old daughter to help me set up a Facebook account. What did it mean to "write on someone's wall"? I had no idea.
I set up a Facebook page mainly to keep up on my daughters' social activities. And soon old high school classmates would find me and we'd exchange some mail. The idea was to keep up with your "Friends" by reading what they're up to and leaving status updates on what you're up to. I could update my Facebook page now with something like "I am explaining what Facebook is all about to a bunch of financial advisors" but that would be a bit lame. I recommend you ask your own son or daughter so I won't try to do it here.
Ditto for Twitter. Twitter is "micro-blogging" because you're limited to 140 characters per entry. Not words and not letters so you need to be really concise. This paragraph is 203 characters by the way.
LinkedIn.com is like Facebook for business owners and professionals. Unlike Twitter and Facebook, LinkedIn charges a monthly fee to get full functionality.
Should Advisors Care?
Yes and no. You need to stay in touch with your clients and "social networking" sites like Facebook, Twitter, and LinkedIn will be used by more and more of your clients. Over time, your prospective clients will find you on these sites and check you out. And your clients will want to keep in touch with you and what's going on.
Yet don't think you need to spend a lot of time here. You're probably busy enough as it is. Plus your compliance department might give you a big thumbs down. So should you do anything?
Yes. I strongly recommend that you grab your profile names NOW so you'll have them later.
Think back to that modern marketing miracle: the 800 number. Customers could call companies without making a long distance phone call or calling collect. Whole advertising campaigns promoted vanity 800 numbers like 1-800-FLOWERS. Imagine snagging 1-800-PLANNER back in 1964 when AT&T created the idea...it would have cost you a fortune if you could have gotten it. Not to mention you were 6 years old at the time.
Thankfully you can reserve your profile names now and use them more later. Here are my profile pages:
Facebook: http://www.facebook.com/richardemmons
Twitter: http://www.twitter.com/richardemmons
LinkedIn: http://www.linkedin.com/in/richardemmons
MySpace: http://www.myspace.com/richardemmons
I use Facebook the most out of these 4. Yet I just checked and 28 people wished me "Happy Birthday!" a couple weeks ago. I guess I did too much face time with family and friends to make time for Facebook. Oh well.
You'll notice that I automatically "tweet" my posts on this site to Twitter. Occasionally I'll toss in a quote or a status update.
I do a little bit with LinkedIn and am open to suggestions on how to use it. I joined several LinkedIn Groups related to estate planning and senior advisor marketing so I get some good articles. And a lot of fluff updates in my in-box.
I threw in MySpace as an example of reserving it and not using it. MySpace was passed up a long time ago by Facebook and will probably never recover. You never know and it cost me nothing to set up and nothing to maintain.
My recommendation is to click through and sign up for these services now. Get the best profile name you can get. If your name is taken, you can add "cfp" to your profile, put in an under_score or a period between your first and last names.
Future articles will explain how to use these profiles to help grow your business. For now just stake your claim and get your name!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Should Financial Advisors Use Facebook and Twitter?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Should Financial Advisors Use Facebook and Twitter?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page. What should financial advisors do now in this area?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page. What should financial advisors do now in this area?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/603-revision-4/
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Washington Reforms Health Care And Taxes
Sunday's night's health care bill will go down as one of those once-in-a-generation accomplishments. I'm not here to debate the merits of the bill - historians will still be doing that decades from now. But it's important to point out some important tax changes included in the bill and the companion "reconciliation" bill now before the Senate. (Just how important are they? Well, the Congressional Budget Office says the IRS will need $10 billion and 17,000 new employees to enforce its share of the new rules!)
Here are some of the key tax provisions:
Starting immediately, certain small businesses with less than 10 employees will get a 35% credit for the cost of providing employee health benefits.
Starting in 2011, employers will have to report the value of health benefits on Form W2.
The penalty tax for Health Savings Account distributions not used for health care expenses doubles from 10% to 20%. This will discourage using HSAs for supplemental retirement savings.
Starting in 2013, the 7.5% floor for deducting medical and dental expenses climbs to 10% (unless you or your spouse are 65 or older, in which case it remains at 7.5% until 2016).
Healthcare flexible spending account contributions are capped at $2,500 per year.
Starting in 2014, businesses with more than 50 employees will have to offer heath benefits or pay a penalty of $750/employee.
The reconciliation bill includes one more unwelcome surprise. Currently, the Medicare tax is limited to 2.9% of earned income. The reconciliation bill imposes an additional Medicare tax of 0.9% on earned income above $200,000 (individuals) or $250,000 (families). It also adds a 3.8% "Unearned Income Medicare Contribution" on investment income - specifically, interest, dividends, annuities, royalties, capital gains, and rents - for taxpayers with Adjusted Gross Income above those same thresholds. Those new levies would take effect in 2013.
The complete bill is 1,018 pages, so it's going to take some time to analyze. But we'll be paying close attention as details become available. In the meantime, call us with any questions!
Remember that the Reconciliation Bill still needs to pass the Senate. Democrat Senator Ben Nelson announced he will vote "No" because of the Medicare tax on unearned income. Let's wait and see what happens. To learn more about Ed Lyon's tax coaching solution go to www.taxcoachsoftware.com .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Washington Reforms Health Care And Taxes
Sunday's night's health care bill will go down as one of those once-in-a-generation accomplishments. I'm not here to debate the merits of the bill - historians will still be doing that decades from now. But it's important to point out some important tax changes included in the bill and the companion "reconciliation" bill now before the Senate. (Just how important are they? Well, the Congressional Budget Office says the IRS will need $10 billion and 17,000 new employees to enforce its share of the new rules!)
Here are some of the key tax provisions:
Starting immediately, certain small businesses with less than 10 employees will get a 35% credit for the cost of providing employee health benefits.
Starting in 2011, employers will have to report the value of health benefits on Form W2.
The penalty tax for Health Savings Account distributions not used for health care expenses doubles from 10% to 20%. This will discourage using HSAs for supplemental retirement savings.
Starting in 2013, the 7.5% floor for deducting medical and dental expenses climbs to 10% (unless you or your spouse are 65 or older, in which case it remains at 7.5% until 2016).
Healthcare flexible spending account contributions are capped at $2,500 per year.
Starting in 2014, businesses with more than 50 employees will have to offer heath benefits or pay a penalty of $750/employee.
The reconciliation bill includes one more unwelcome surprise. Currently, the Medicare tax is limited to 2.9% of earned income. The reconciliation bill imposes an additional Medicare tax of 0.9% on earned income above $200,000 (individuals) or $250,000 (families). It also adds a 3.8% "Unearned Income Medicare Contribution" on investment income - specifically, interest, dividends, annuities, royalties, capital gains, and rents - for taxpayers with Adjusted Gross Income above those same thresholds. Those new levies would take effect in 2013.
The complete bill is 1,018 pages, so it's going to take some time to analyze. But we'll be paying close attention as details become available. In the meantime, call us with any questions!
Remember that the Reconciliation Bill still needs to pass the Senate. Democrat Senator Ben Nelson announced he will vote "No" because of the Medicare tax on unearned income. Let's wait and see what happens. To learn more about Ed Lyon's tax coaching solution go to www.taxcoachsoftware.com .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Washington Reforms Health Care And Taxes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Washington Reforms Health Care And Taxes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Tax Attorney Ed Lyon comments on Sunday's healthcare reform bill and how it could affect your tax bill and your clients' tax bills. Did you hear the reconciliation bill "adds a 3.8% 'Unearned Income Medicare Contribution' on investment income" for taxpayers with Adjusted Gross Income above $200,000 individuals and $250,000 families"? I wonder if AARP signed off on that little detail?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Tax Attorney Ed Lyon comments on Sunday's healthcare reform bill and how it could affect your tax bill and your clients' tax bills. Did you hear the reconciliation bill "adds a 3.8% 'Unearned Income Medicare Contribution' on investment income" for taxpayers with Adjusted Gross Income above $200,000 individuals and $250,000 families"? I wonder if AARP signed off on that little detail?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=609
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=609
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-22 22:37:52
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Tax Attorney Ed Lyon comments on Sunday's healthcare reform bill and how it could affect your tax bill and your clients' tax bill.
Washington Reforms Health Care And Taxes
Sunday's night's health care bill will go down as one of those once-in-a-generation accomplishments. I'm not here to debate the merits of the bill - historians will still be doing that decades from now. But it's important to point out some important tax changes included in the bill and the companion "reconciliation" bill now before the Senate. (Just how important are they? Well, the Congressional Budget Office says the IRS will need $10 billion and 17,000 new employees to enforce its share of the new rules!)
Here are some of the key tax provisions:
Starting immediately, certain small businesses with less than 10 employees will get a 35% credit for the cost of providing employee health benefits.
Starting in 2011, employers will have to report the value of health benefits on Form W2.
The penalty tax for Health Savings Account distributions not used for health care expenses doubles from 10% to 20%. This will discourage using HSAs for supplemental retirement savings.
Starting in 2013, the 7.5% floor for deducting medical and dental expenses climbs to 10% (unless you or your spouse are 65 or older, in which case it remains at 7.5% until 2016).
Healthcare flexible spending account contributions are capped at $2,500 per year.
Starting in 2014, businesses with more than 50 employees will have to offer heath benefits or pay a penalty of $750/employee.
The reconciliation bill includes one more unwelcome surprise. Currently, the Medicare tax is limited to 2.9% of earned income. The reconciliation bill imposes an additional Medicare tax of 0.9% on earned income above $200,000 (individuals) or $250,000 (families). It also adds a 3.8% "Unearned Income Medicare Contribution" on investment income - specifically, interest, dividends, annuities, royalties, capital gains, and rents - for taxpayers with Adjusted Gross Income above those same thresholds. Those new levies would take effect in 2013.
The complete bill is 1,018 pages, so it's going to take some time to analyze. But we'll be paying close attention as details become available. In the meantime, call us with any questions!
To learn more about Ed Lyon's tax coaching solution go to http://www.taxcoachsoftware.com/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Tax Attorney Ed Lyon comments on Sunday's healthcare reform bill and how it could affect your tax bill and your clients' tax bill.
Washington Reforms Health Care And Taxes
Sunday's night's health care bill will go down as one of those once-in-a-generation accomplishments. I'm not here to debate the merits of the bill - historians will still be doing that decades from now. But it's important to point out some important tax changes included in the bill and the companion "reconciliation" bill now before the Senate. (Just how important are they? Well, the Congressional Budget Office says the IRS will need $10 billion and 17,000 new employees to enforce its share of the new rules!)
Here are some of the key tax provisions:
Starting immediately, certain small businesses with less than 10 employees will get a 35% credit for the cost of providing employee health benefits.
Starting in 2011, employers will have to report the value of health benefits on Form W2.
The penalty tax for Health Savings Account distributions not used for health care expenses doubles from 10% to 20%. This will discourage using HSAs for supplemental retirement savings.
Starting in 2013, the 7.5% floor for deducting medical and dental expenses climbs to 10% (unless you or your spouse are 65 or older, in which case it remains at 7.5% until 2016).
Healthcare flexible spending account contributions are capped at $2,500 per year.
Starting in 2014, businesses with more than 50 employees will have to offer heath benefits or pay a penalty of $750/employee.
The reconciliation bill includes one more unwelcome surprise. Currently, the Medicare tax is limited to 2.9% of earned income. The reconciliation bill imposes an additional Medicare tax of 0.9% on earned income above $200,000 (individuals) or $250,000 (families). It also adds a 3.8% "Unearned Income Medicare Contribution" on investment income - specifically, interest, dividends, annuities, royalties, capital gains, and rents - for taxpayers with Adjusted Gross Income above those same thresholds. Those new levies would take effect in 2013.
The complete bill is 1,018 pages, so it's going to take some time to analyze. But we'll be paying close attention as details become available. In the meantime, call us with any questions!
To learn more about Ed Lyon's tax coaching solution go to http://www.taxcoachsoftware.com/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Washington Reforms Health Care And Taxes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Washington Reforms Health Care And Taxes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/609-revision/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Tax Attorney Ed Lyon comments on Sunday's healthcare reform bill and how it could affect your tax bill and your clients' tax bill.
Washington Reforms Health Care And Taxes
Sunday's night's health care bill will go down as one of those once-in-a-generation accomplishments. I'm not here to debate the merits of the bill - historians will still be doing that decades from now. But it's important to point out some important tax changes included in the bill and the companion "reconciliation" bill now before the Senate. (Just how important are they? Well, the Congressional Budget Office says the IRS will need $10 billion and 17,000 new employees to enforce its share of the new rules!)
Here are some of the key tax provisions:
Starting immediately, certain small businesses with less than 10 employees will get a 35% credit for the cost of providing employee health benefits.
Starting in 2011, employers will have to report the value of health benefits on Form W2.
The penalty tax for Health Savings Account distributions not used for health care expenses doubles from 10% to 20%. This will discourage using HSAs for supplemental retirement savings.
Starting in 2013, the 7.5% floor for deducting medical and dental expenses climbs to 10% (unless you or your spouse are 65 or older, in which case it remains at 7.5% until 2016).
Healthcare flexible spending account contributions are capped at $2,500 per year.
Starting in 2014, businesses with more than 50 employees will have to offer heath benefits or pay a penalty of $750/employee.
The reconciliation bill includes one more unwelcome surprise. Currently, the Medicare tax is limited to 2.9% of earned income. The reconciliation bill imposes an additional Medicare tax of 0.9% on earned income above $200,000 (individuals) or $250,000 (families). It also adds a 3.8% "Unearned Income Medicare Contribution" on investment income - specifically, interest, dividends, annuities, royalties, capital gains, and rents - for taxpayers with Adjusted Gross Income above those same thresholds. Those new levies would take effect in 2013.
The complete bill is 1,018 pages, so it's going to take some time to analyze. But we'll be paying close attention as details become available. In the meantime, call us with any questions!
To learn more about Ed Lyon's tax coaching solution go to www.taxcoachsoftware.com .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Tax Attorney Ed Lyon comments on Sunday's healthcare reform bill and how it could affect your tax bill and your clients' tax bill.
Washington Reforms Health Care And Taxes
Sunday's night's health care bill will go down as one of those once-in-a-generation accomplishments. I'm not here to debate the merits of the bill - historians will still be doing that decades from now. But it's important to point out some important tax changes included in the bill and the companion "reconciliation" bill now before the Senate. (Just how important are they? Well, the Congressional Budget Office says the IRS will need $10 billion and 17,000 new employees to enforce its share of the new rules!)
Here are some of the key tax provisions:
Starting immediately, certain small businesses with less than 10 employees will get a 35% credit for the cost of providing employee health benefits.
Starting in 2011, employers will have to report the value of health benefits on Form W2.
The penalty tax for Health Savings Account distributions not used for health care expenses doubles from 10% to 20%. This will discourage using HSAs for supplemental retirement savings.
Starting in 2013, the 7.5% floor for deducting medical and dental expenses climbs to 10% (unless you or your spouse are 65 or older, in which case it remains at 7.5% until 2016).
Healthcare flexible spending account contributions are capped at $2,500 per year.
Starting in 2014, businesses with more than 50 employees will have to offer heath benefits or pay a penalty of $750/employee.
The reconciliation bill includes one more unwelcome surprise. Currently, the Medicare tax is limited to 2.9% of earned income. The reconciliation bill imposes an additional Medicare tax of 0.9% on earned income above $200,000 (individuals) or $250,000 (families). It also adds a 3.8% "Unearned Income Medicare Contribution" on investment income - specifically, interest, dividends, annuities, royalties, capital gains, and rents - for taxpayers with Adjusted Gross Income above those same thresholds. Those new levies would take effect in 2013.
The complete bill is 1,018 pages, so it's going to take some time to analyze. But we'll be paying close attention as details become available. In the meantime, call us with any questions!
To learn more about Ed Lyon's tax coaching solution go to www.taxcoachsoftware.com .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Washington Reforms Health Care And Taxes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Washington Reforms Health Care And Taxes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/609-revision-2/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Tax Attorney Ed Lyon comments on Sunday's healthcare reform bill and how it could affect your tax bill and your clients' tax bill.
Washington Reforms Health Care And Taxes
Sunday's night's health care bill will go down as one of those once-in-a-generation accomplishments. I'm not here to debate the merits of the bill - historians will still be doing that decades from now. But it's important to point out some important tax changes included in the bill and the companion "reconciliation" bill now before the Senate. (Just how important are they? Well, the Congressional Budget Office says the IRS will need $10 billion and 17,000 new employees to enforce its share of the new rules!)
Here are some of the key tax provisions:
Starting immediately, certain small businesses with less than 10 employees will get a 35% credit for the cost of providing employee health benefits.
Starting in 2011, employers will have to report the value of health benefits on Form W2.
The penalty tax for Health Savings Account distributions not used for health care expenses doubles from 10% to 20%. This will discourage using HSAs for supplemental retirement savings.
Starting in 2013, the 7.5% floor for deducting medical and dental expenses climbs to 10% (unless you or your spouse are 65 or older, in which case it remains at 7.5% until 2016).
Healthcare flexible spending account contributions are capped at $2,500 per year.
Starting in 2014, businesses with more than 50 employees will have to offer heath benefits or pay a penalty of $750/employee.
The reconciliation bill includes one more unwelcome surprise. Currently, the Medicare tax is limited to 2.9% of earned income. The reconciliation bill imposes an additional Medicare tax of 0.9% on earned income above $200,000 (individuals) or $250,000 (families). It also adds a 3.8% "Unearned Income Medicare Contribution" on investment income - specifically, interest, dividends, annuities, royalties, capital gains, and rents - for taxpayers with Adjusted Gross Income above those same thresholds. Those new levies would take effect in 2013.
The complete bill is 1,018 pages, so it's going to take some time to analyze. But we'll be paying close attention as details become available. In the meantime, call us with any questions!
To learn more about Ed Lyon's tax coaching solution go to www.taxcoachsoftware.com .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Tax Attorney Ed Lyon comments on Sunday's healthcare reform bill and how it could affect your tax bill and your clients' tax bill.
Washington Reforms Health Care And Taxes
Sunday's night's health care bill will go down as one of those once-in-a-generation accomplishments. I'm not here to debate the merits of the bill - historians will still be doing that decades from now. But it's important to point out some important tax changes included in the bill and the companion "reconciliation" bill now before the Senate. (Just how important are they? Well, the Congressional Budget Office says the IRS will need $10 billion and 17,000 new employees to enforce its share of the new rules!)
Here are some of the key tax provisions:
Starting immediately, certain small businesses with less than 10 employees will get a 35% credit for the cost of providing employee health benefits.
Starting in 2011, employers will have to report the value of health benefits on Form W2.
The penalty tax for Health Savings Account distributions not used for health care expenses doubles from 10% to 20%. This will discourage using HSAs for supplemental retirement savings.
Starting in 2013, the 7.5% floor for deducting medical and dental expenses climbs to 10% (unless you or your spouse are 65 or older, in which case it remains at 7.5% until 2016).
Healthcare flexible spending account contributions are capped at $2,500 per year.
Starting in 2014, businesses with more than 50 employees will have to offer heath benefits or pay a penalty of $750/employee.
The reconciliation bill includes one more unwelcome surprise. Currently, the Medicare tax is limited to 2.9% of earned income. The reconciliation bill imposes an additional Medicare tax of 0.9% on earned income above $200,000 (individuals) or $250,000 (families). It also adds a 3.8% "Unearned Income Medicare Contribution" on investment income - specifically, interest, dividends, annuities, royalties, capital gains, and rents - for taxpayers with Adjusted Gross Income above those same thresholds. Those new levies would take effect in 2013.
The complete bill is 1,018 pages, so it's going to take some time to analyze. But we'll be paying close attention as details become available. In the meantime, call us with any questions!
To learn more about Ed Lyon's tax coaching solution go to www.taxcoachsoftware.com .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Washington Reforms Health Care And Taxes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Washington Reforms Health Care And Taxes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/609-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/609-revision-3/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/Healthcare_reform.jpg
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Tax Attorney Ed Lyon comments on Sunday's healthcare reform bill and how it could affect your tax bill and your clients' tax bill.
Washington Reforms Health Care And Taxes
Sunday's night's health care bill will go down as one of those once-in-a-generation accomplishments. I'm not here to debate the merits of the bill - historians will still be doing that decades from now. But it's important to point out some important tax changes included in the bill and the companion "reconciliation" bill now before the Senate. (Just how important are they? Well, the Congressional Budget Office says the IRS will need $10 billion and 17,000 new employees to enforce its share of the new rules!)
Here are some of the key tax provisions:
Starting immediately, certain small businesses with less than 10 employees will get a 35% credit for the cost of providing employee health benefits.
Starting in 2011, employers will have to report the value of health benefits on Form W2.
The penalty tax for Health Savings Account distributions not used for health care expenses doubles from 10% to 20%. This will discourage using HSAs for supplemental retirement savings.
Starting in 2013, the 7.5% floor for deducting medical and dental expenses climbs to 10% (unless you or your spouse are 65 or older, in which case it remains at 7.5% until 2016).
Healthcare flexible spending account contributions are capped at $2,500 per year.
Starting in 2014, businesses with more than 50 employees will have to offer heath benefits or pay a penalty of $750/employee.
The reconciliation bill includes one more unwelcome surprise. Currently, the Medicare tax is limited to 2.9% of earned income. The reconciliation bill imposes an additional Medicare tax of 0.9% on earned income above $200,000 (individuals) or $250,000 (families). It also adds a 3.8% "Unearned Income Medicare Contribution" on investment income - specifically, interest, dividends, annuities, royalties, capital gains, and rents - for taxpayers with Adjusted Gross Income above those same thresholds. Those new levies would take effect in 2013.
The complete bill is 1,018 pages, so it's going to take some time to analyze. But we'll be paying close attention as details become available. In the meantime, call us with any questions!
To learn more about Ed Lyon's tax coaching solution go to www.taxcoachsoftware.com .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Tax Attorney Ed Lyon comments on Sunday's healthcare reform bill and how it could affect your tax bill and your clients' tax bill.
Washington Reforms Health Care And Taxes
Sunday's night's health care bill will go down as one of those once-in-a-generation accomplishments. I'm not here to debate the merits of the bill - historians will still be doing that decades from now. But it's important to point out some important tax changes included in the bill and the companion "reconciliation" bill now before the Senate. (Just how important are they? Well, the Congressional Budget Office says the IRS will need $10 billion and 17,000 new employees to enforce its share of the new rules!)
Here are some of the key tax provisions:
Starting immediately, certain small businesses with less than 10 employees will get a 35% credit for the cost of providing employee health benefits.
Starting in 2011, employers will have to report the value of health benefits on Form W2.
The penalty tax for Health Savings Account distributions not used for health care expenses doubles from 10% to 20%. This will discourage using HSAs for supplemental retirement savings.
Starting in 2013, the 7.5% floor for deducting medical and dental expenses climbs to 10% (unless you or your spouse are 65 or older, in which case it remains at 7.5% until 2016).
Healthcare flexible spending account contributions are capped at $2,500 per year.
Starting in 2014, businesses with more than 50 employees will have to offer heath benefits or pay a penalty of $750/employee.
The reconciliation bill includes one more unwelcome surprise. Currently, the Medicare tax is limited to 2.9% of earned income. The reconciliation bill imposes an additional Medicare tax of 0.9% on earned income above $200,000 (individuals) or $250,000 (families). It also adds a 3.8% "Unearned Income Medicare Contribution" on investment income - specifically, interest, dividends, annuities, royalties, capital gains, and rents - for taxpayers with Adjusted Gross Income above those same thresholds. Those new levies would take effect in 2013.
The complete bill is 1,018 pages, so it's going to take some time to analyze. But we'll be paying close attention as details become available. In the meantime, call us with any questions!
To learn more about Ed Lyon's tax coaching solution go to www.taxcoachsoftware.com .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Washington Reforms Health Care And Taxes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Washington Reforms Health Care And Taxes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/609-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/609-revision-4/
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Washington Reforms Health Care And Taxes
Sunday's night's health care bill will go down as one of those once-in-a-generation accomplishments. I'm not here to debate the merits of the bill - historians will still be doing that decades from now. But it's important to point out some important tax changes included in the bill and the companion "reconciliation" bill now before the Senate. (Just how important are they? Well, the Congressional Budget Office says the IRS will need $10 billion and 17,000 new employees to enforce its share of the new rules!)
Here are some of the key tax provisions:
Starting immediately, certain small businesses with less than 10 employees will get a 35% credit for the cost of providing employee health benefits.
Starting in 2011, employers will have to report the value of health benefits on Form W2.
The penalty tax for Health Savings Account distributions not used for health care expenses doubles from 10% to 20%. This will discourage using HSAs for supplemental retirement savings.
Starting in 2013, the 7.5% floor for deducting medical and dental expenses climbs to 10% (unless you or your spouse are 65 or older, in which case it remains at 7.5% until 2016).
Healthcare flexible spending account contributions are capped at $2,500 per year.
Starting in 2014, businesses with more than 50 employees will have to offer heath benefits or pay a penalty of $750/employee.
The reconciliation bill includes one more unwelcome surprise. Currently, the Medicare tax is limited to 2.9% of earned income. The reconciliation bill imposes an additional Medicare tax of 0.9% on earned income above $200,000 (individuals) or $250,000 (families). It also adds a 3.8% "Unearned Income Medicare Contribution" on investment income - specifically, interest, dividends, annuities, royalties, capital gains, and rents - for taxpayers with Adjusted Gross Income above those same thresholds. Those new levies would take effect in 2013.
The complete bill is 1,018 pages, so it's going to take some time to analyze. But we'll be paying close attention as details become available. In the meantime, call us with any questions!
Remember that the Reconciliation Bill still needs to pass the Senate. Democrat Senator Ben Nelson announced he will vote "No" because of the Medicare tax on unearned income. Let's wait and see what happens. To learn more about Ed Lyon's tax coaching solution go to www.taxcoachsoftware.com .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Washington Reforms Health Care And Taxes
Sunday's night's health care bill will go down as one of those once-in-a-generation accomplishments. I'm not here to debate the merits of the bill - historians will still be doing that decades from now. But it's important to point out some important tax changes included in the bill and the companion "reconciliation" bill now before the Senate. (Just how important are they? Well, the Congressional Budget Office says the IRS will need $10 billion and 17,000 new employees to enforce its share of the new rules!)
Here are some of the key tax provisions:
Starting immediately, certain small businesses with less than 10 employees will get a 35% credit for the cost of providing employee health benefits.
Starting in 2011, employers will have to report the value of health benefits on Form W2.
The penalty tax for Health Savings Account distributions not used for health care expenses doubles from 10% to 20%. This will discourage using HSAs for supplemental retirement savings.
Starting in 2013, the 7.5% floor for deducting medical and dental expenses climbs to 10% (unless you or your spouse are 65 or older, in which case it remains at 7.5% until 2016).
Healthcare flexible spending account contributions are capped at $2,500 per year.
Starting in 2014, businesses with more than 50 employees will have to offer heath benefits or pay a penalty of $750/employee.
The reconciliation bill includes one more unwelcome surprise. Currently, the Medicare tax is limited to 2.9% of earned income. The reconciliation bill imposes an additional Medicare tax of 0.9% on earned income above $200,000 (individuals) or $250,000 (families). It also adds a 3.8% "Unearned Income Medicare Contribution" on investment income - specifically, interest, dividends, annuities, royalties, capital gains, and rents - for taxpayers with Adjusted Gross Income above those same thresholds. Those new levies would take effect in 2013.
The complete bill is 1,018 pages, so it's going to take some time to analyze. But we'll be paying close attention as details become available. In the meantime, call us with any questions!
Remember that the Reconciliation Bill still needs to pass the Senate. Democrat Senator Ben Nelson announced he will vote "No" because of the Medicare tax on unearned income. Let's wait and see what happens. To learn more about Ed Lyon's tax coaching solution go to www.taxcoachsoftware.com .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Washington Reforms Health Care And Taxes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Washington Reforms Health Care And Taxes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Tax Attorney Ed Lyon comments on Sunday's healthcare reform bill and how it could affect your tax bill and your clients' tax bills. Did you hear the reconciliation bill "adds a 3.8% 'Unearned Income Medicare Contribution' on investment income" for taxpayers with Adjusted Gross Income above $200,000 individuals and $250,000 families"? I wonder if AARP signed off on that little detail?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Tax Attorney Ed Lyon comments on Sunday's healthcare reform bill and how it could affect your tax bill and your clients' tax bills. Did you hear the reconciliation bill "adds a 3.8% 'Unearned Income Medicare Contribution' on investment income" for taxpayers with Adjusted Gross Income above $200,000 individuals and $250,000 families"? I wonder if AARP signed off on that little detail?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/609-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/609-revision-5/
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Washington Reforms Health Care And Taxes
Sunday's night's health care bill will go down as one of those once-in-a-generation accomplishments. I'm not here to debate the merits of the bill - historians will still be doing that decades from now. But it's important to point out some important tax changes included in the bill and the companion "reconciliation" bill now before the Senate. (Just how important are they? Well, the Congressional Budget Office says the IRS will need $10 billion and 17,000 new employees to enforce its share of the new rules!)
Here are some of the key tax provisions:
Starting immediately, certain small businesses with less than 10 employees will get a 35% credit for the cost of providing employee health benefits.
Starting in 2011, employers will have to report the value of health benefits on Form W2.
The penalty tax for Health Savings Account distributions not used for health care expenses doubles from 10% to 20%. This will discourage using HSAs for supplemental retirement savings.
Starting in 2013, the 7.5% floor for deducting medical and dental expenses climbs to 10% (unless you or your spouse are 65 or older, in which case it remains at 7.5% until 2016).
Healthcare flexible spending account contributions are capped at $2,500 per year.
Starting in 2014, businesses with more than 50 employees will have to offer heath benefits or pay a penalty of $750/employee.
The reconciliation bill includes one more unwelcome surprise. Currently, the Medicare tax is limited to 2.9% of earned income. The reconciliation bill imposes an additional Medicare tax of 0.9% on earned income above $200,000 (individuals) or $250,000 (families). It also adds a 3.8% "Unearned Income Medicare Contribution" on investment income - specifically, interest, dividends, annuities, royalties, capital gains, and rents - for taxpayers with Adjusted Gross Income above those same thresholds. Those new levies would take effect in 2013.
The complete bill is 1,018 pages, so it's going to take some time to analyze. But we'll be paying close attention as details become available. In the meantime, call us with any questions!
Remember that the Reconciliation Bill still needs to pass the Senate. Democrat Senator Ben Nelson announced he will vote "No" because of the Medicare tax on unearned income. Let's wait and see what happens. To learn more about Ed Lyon's tax coaching solution go to www.taxcoachsoftware.com .
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Washington Reforms Health Care And Taxes
Sunday's night's health care bill will go down as one of those once-in-a-generation accomplishments. I'm not here to debate the merits of the bill - historians will still be doing that decades from now. But it's important to point out some important tax changes included in the bill and the companion "reconciliation" bill now before the Senate. (Just how important are they? Well, the Congressional Budget Office says the IRS will need $10 billion and 17,000 new employees to enforce its share of the new rules!)
Here are some of the key tax provisions:
Starting immediately, certain small businesses with less than 10 employees will get a 35% credit for the cost of providing employee health benefits.
Starting in 2011, employers will have to report the value of health benefits on Form W2.
The penalty tax for Health Savings Account distributions not used for health care expenses doubles from 10% to 20%. This will discourage using HSAs for supplemental retirement savings.
Starting in 2013, the 7.5% floor for deducting medical and dental expenses climbs to 10% (unless you or your spouse are 65 or older, in which case it remains at 7.5% until 2016).
Healthcare flexible spending account contributions are capped at $2,500 per year.
Starting in 2014, businesses with more than 50 employees will have to offer heath benefits or pay a penalty of $750/employee.
The reconciliation bill includes one more unwelcome surprise. Currently, the Medicare tax is limited to 2.9% of earned income. The reconciliation bill imposes an additional Medicare tax of 0.9% on earned income above $200,000 (individuals) or $250,000 (families). It also adds a 3.8% "Unearned Income Medicare Contribution" on investment income - specifically, interest, dividends, annuities, royalties, capital gains, and rents - for taxpayers with Adjusted Gross Income above those same thresholds. Those new levies would take effect in 2013.
The complete bill is 1,018 pages, so it's going to take some time to analyze. But we'll be paying close attention as details become available. In the meantime, call us with any questions!
Remember that the Reconciliation Bill still needs to pass the Senate. Democrat Senator Ben Nelson announced he will vote "No" because of the Medicare tax on unearned income. Let's wait and see what happens. To learn more about Ed Lyon's tax coaching solution go to www.taxcoachsoftware.com .
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Washington Reforms Health Care And Taxes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Washington Reforms Health Care And Taxes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Tax Attorney Ed Lyon comments on Sunday's healthcare reform bill and how it could affect your tax bill and your clients' tax bills. Did you hear the reconciliation bill "adds a 3.8% 'Unearned Income Medicare Contribution' on investment income" for taxpayers with Adjusted Gross Income above $200,000 individuals and $250,000 families"? I wonder if AARP signed off on that little detail?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Tax Attorney Ed Lyon comments on Sunday's healthcare reform bill and how it could affect your tax bill and your clients' tax bills. Did you hear the reconciliation bill "adds a 3.8% 'Unearned Income Medicare Contribution' on investment income" for taxpayers with Adjusted Gross Income above $200,000 individuals and $250,000 families"? I wonder if AARP signed off on that little detail?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/609-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/609-revision-6/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons helps financial advisors choose the best days of the week to hold community seminars.
httpv://www.youtube.com/watch?v=balbn7GxFvM
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons helps financial advisors choose the best days of the week to hold community seminars.
httpv://www.youtube.com/watch?v=balbn7GxFvM
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: Best Days to Hold Seminars
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: Best Days to Hold Seminars
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons helps financial advisors choose the best days of the week to hold community seminars. For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons helps financial advisors choose the best days of the week to hold community seminars. For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: advisor-marketing-days-hold-seminars
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=617
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=617
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-24 23:32:43
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons tells financial advisors what are the best days of the week to hold community seminars. For more seminar marketing ideas go to http://www.MyLivingTrust...
httpv://www.youtube.com/watch?v=balbn7GxFvM
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons tells financial advisors what are the best days of the week to hold community seminars. For more seminar marketing ideas go to http://www.MyLivingTrust...
httpv://www.youtube.com/watch?v=balbn7GxFvM
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: Best Days to Hold Seminars
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: Best Days to Hold Seminars
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/617-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/617-revision/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons helps financial advisors choose the best days of the week to hold community seminars.
httpv://www.youtube.com/watch?v=balbn7GxFvM
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons helps financial advisors choose the best days of the week to hold community seminars.
httpv://www.youtube.com/watch?v=balbn7GxFvM
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: Best Days to Hold Seminars
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: Best Days to Hold Seminars
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/617-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/617-revision-2/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons helps financial advisors choose the best days of the week to hold community seminars.
httpv://www.youtube.com/watch?v=balbn7GxFvM
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons helps financial advisors choose the best days of the week to hold community seminars.
httpv://www.youtube.com/watch?v=balbn7GxFvM
For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: Best Days to Hold Seminars
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: Best Days to Hold Seminars
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons helps financial advisors choose the best days of the week to hold community seminars. For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In this short video, Richard Emmons helps financial advisors choose the best days of the week to hold community seminars. For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/617-revision-3/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the moisture in your hands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the moisture in your hands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=621
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=621
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 19:05:20
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Let me start by saying that "USP" stands for "unique selling proposition" and that every advisor (and business) should have one. Why? Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
Rosser Reeves invented the term "USP" in the 1960's. In his book, Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's: "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Let me start by saying that "USP" stands for "unique selling proposition" and that every advisor (and business) should have one. Why? Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
Rosser Reeves invented the term "USP" in the 1960's. In his book, Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's: "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 621-revision
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 621-revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 12:05:20
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 12:05:20
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/621-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/621-revision/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/mms1.jpg
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/mms1.jpg
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Let me start by saying that "USP" stands for "unique selling proposition" and that every advisor (and business) should have one. Why? Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
Rosser Reeves invented the term "USP" in the 1960's. In his book, Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Let me start by saying that "USP" stands for "unique selling proposition" and that every advisor (and business) should have one. Why? Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
Rosser Reeves invented the term "USP" in the 1960's. In his book, Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 621-revision-2
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 621-revision-2
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 12:08:22
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 19:08:22
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/621-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/621-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 625
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 19:13:22
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 12:13:22
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/621-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/621-revision-3/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 12:16:36
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 621-revision-4
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 621-revision-4
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 12:16:36
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 12:16:36
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 19:16:36
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 621
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 621
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/621-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/621-revision-4/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 14:08:42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 14:08:42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 21:08:42
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 21:08:42
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the mosiseture in yourhands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the mosiseture in yourhands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/621-revision-5/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/621-revision-5/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the moisture in your hands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the moisture in your hands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/621-revision-12/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/621-revision-12/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the mosiseture in yourhands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the mosiseture in yourhands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 621-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 621-revision-6
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 14:09:39
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 14:09:39
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 21:09:39
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 21:09:39
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 621
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 621
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/621-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/621-revision-6/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 21:10:36
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the moisture in your hands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the moisture in your hands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 621-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 621-revision-7
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 14:10:36
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 14:10:36
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 21:10:36
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 21:10:36
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 621
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 621
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/621-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/621-revision-7/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 21:11:17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 21:11:17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the moisture in your hands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the moisture in your hands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 621-revision-8
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 621-revision-8
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 14:11:17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 14:11:17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 21:11:17
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 21:11:17
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 621
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 621
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/621-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/621-revision-8/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 14:19:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 14:19:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 21:19:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 21:19:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the moisture in your hands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the moisture in your hands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 621-revision-9
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 621-revision-9
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 14:19:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 14:19:23
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 21:19:23
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 21:19:23
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 621
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 621
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/621-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/621-revision-9/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 14:19:29
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 14:19:29
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 21:19:29
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 21:19:29
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the moisture in your hands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the moisture in your hands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 621-revision-10
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 621-revision-10
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 14:19:29
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 14:19:29
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 21:19:29
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 21:19:29
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 621
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 621
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/621-revision-10/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/621-revision-10/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 14:28:18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 14:28:18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 21:28:18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 21:28:18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the moisture in your hands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the moisture in your hands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 621-revision-11
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 621-revision-11
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 14:28:18
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 14:28:18
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-26 21:28:18
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 621
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 621
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/621-revision-11/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/621-revision-11/
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-26 21:34:03
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the moisture in your hands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Reality in Advertising , he defines what makes a good USP:
1. Each advertisement must make a proposition to the consumer. Not just words, not just product puffery, not just show-window advertising. Each advertisement must say to each reader: "Buy this product, and you will get this specific benefit."
2. The proposition must be one that the competition either cannot, or does not, offer. It must be unique—either a uniqueness of the brand or a claim not otherwise made in that particular field of advertising.
3. The proposition must be so strong that it can move the mass millions, i.e., pull over new customers to your product.
Here are some well known examples which meet this 3-part definition:
Domino's Pizza : "You get fresh, hot pizza delivered to your door in 30 minutes or less -- or it's free." Notice it says nothing about Mama's recipe, taste, or low price. This created a whole new market at a time when it took 30 to 40 minutes to get a pizza at pizza restaurants.
FedEx : "When your package absolutely, positively has to get there overnight" This USP answered the question, "Why would anyone want to pay ten bucks to mail a letter?"
M&M's : "The milk chocolate melts in your mouth, not in your hand" Rosser Reeves created this USP over 40 years ago and it still works great.
Wonder Bread : "Wonder Bread Helps Build Strong Bodies 12 Ways" Maybe it does, maybe it doesn't. It sure sold a lot of bread.
Did it occur to you that 3 of these 4 USP's are no longer used by their companies? I had to look up Wonder Bread and found they use "Soft. Delicious. Nutritious." Fed Ex does a lot more today than overnight delivery so they use "Save more as you ship more, Think FedEx First." Pizza Hut's website emphasizes that it wins national taste tests.
You also need to remember to use your USP in all your ads and in contact with clients and prospects. I noticed in the fine legal print on Domino's home page:
Domino's new hand tossed pizza has been reinvented from the crust up to be our best tasting pizza ever. Guaranteed. If you are not completely satisfied with your Domino's pizza experience, we will make it right or refund your money.
This should be in BIG print in the headline of the webpage. 99% of web visitors will miss this. Guarantees are a great way to create a USP.
Your USP should be visible and become part of your daily operations...not just something for your advertisements or website. Let me give you an example.
My mom came across a letter written to me back on April 23, 1976. I had written to M&M-Mars after getting some red, green or brown coloring on my hands while eating some M&M's. I can't remember what motivated me to write them. Maybe it was school assignment. Maybe I was just being a wise guy. Here's their reply:
Dear Richard:
Thank you for your letter and your interest in M&Ms Chocolate Candies.
In our advertisements we say: "THE MILK CHOCOLATE MELTS IN YOUR MOUTH - NOT IN YOUR HAND". The melting to which you referred was undoubtedly caused when the pure food coloring in the thin sugar shell came in contact with the moisture in your hands. This sometimes happens if the candy is held for a while.
The objective of our advertising is to acquaint consumers with the fact that M&Ms Chocolate Candies are neat to eat and do not have the mess of other chocolate products that do not have thin sugar shells protecting the chocolate centers.
Thank you again for your interest in writing to us.
Very truly yours,
(Miss) Eleanor C. Trautwein
Customer Service Manager
Now let's talk about USPs for financial advisors. Your USP should answer the question, "Why should someone choose you as their financial advisor over all other financial advisors in your area and instead of doing it themselves?"
Obviously, you can answer this question in numerous ways. Let's categorize them as good, bad and ugly.
Let start out with "ugly" USPs for financial advisors.
Ugly ones will get you in trouble with your compliance department. For instance, Montgomery Ward first used "Satisfaction guaranteed or your money back" in 1874. Worse yet, "Retire as a millionaire..." These sound lame because compliance departments don't like anything which is promissory in nature. FINRA won't let advisors use client testimonials so that eliminates a lot of ideas for USPs.
Next, what makes a "bad" USP for an advisor?
Something vague or a cliche like "Quality Service. High Standards." Every advisor can say this so why bother? If your client or prospect reads something and says "So what?" or "Duh. Every advisor does that" then you know you need to work harder. I see this all the time with advisor websites which use the boilerplate verbiage provided by the website company.
What makes a good USP for an advisor?
A good USP describes who you are, what makes you different and tells your story in a way that sells your prospect on your ability to get the job done for them. So an advisor's USP should be more of a core story than a tagline like Walmart's "Save Money. Live Better."
You shouldn't put too much weight on your designations. There are over 50,000 CFP's in the United States. Many advisors argue this designation is the best one to have. Few would argue that it sets them apart like it did ten or twenty years ago. Yet, how many advisors describe why they pursued the CFP certification and how it improved their ability as a planner? Plus states are cracking down on new designations these days so you wouldn't want to build your marketing around a designation which may be on the outs in the near future. Even if you're the only one in town with it.
How do you get started creating your own USP/core story?
Easy, just start calling up your best clients. Ask them why they initially started doing business with you and why they continue to do business with you. Something about you attracted them to you and kept them from going elsewhere. Or may be they did go elsewhere and came back to you. What did they not like about that other financial advisor?
Next, look at your own story and how you got to where you are today. You'll want to uncover details about your life which made you the advisor you are today.
Finally weave this information together so that your own unique story is told in a way that will attract your a-list clients. Never forget you are a unique individual and the "U" in "USP" stands for "unique." Be yourself. Don't be bland. Stand out from your peers.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing With a "USP" To Set Yourself Apart
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Every advisor (and business) should have a "USP" which stands for "unique selling proposition." Without a USP your advertising will have a plain vanilla, me-to appearance which won't lead people to take action. When you have a good USP and deploy it in your advertising and marketing materials, you'll attract more clients like you want. You'll also keep away folks who aren't your targeted clientele.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The federal "death tax" may or may not rise from the dead in 2010. However, Washington State may double its state estate tax to 38% for estates at or above $9 million.
Washington state proposes 'shocking' estate tax changes
The Washington state Legislature has proposed a bill that would double the estate taxes for residents.
Currently, there is a $2 million exemption in that state, with a 10% tax that climbs up to 19% at $9 million and above. Under the proposed law, the range would jump to a 20% estate tax for more than $2 million, up to 38% at the $9 million mark.
If the latest proposal is enacted, 2011 could be a costly year for some Washington residents: Assuming that the federal estate tax, which lapsed at the end of 2009, comes back next year with a $1 million exemption at 55% as scheduled, Washington residents could be paying in excess of 75% in estate taxes, experts said.
“This is shocking and disturbing, and has very significant ramifications for the majority of our clients,” said Tom Gores, a partner in Perkins Coie LLP, a law firm with offices in Seattle and Bellevue, Wash. “We are contacting our state representatives to make sure they understand this.”
Already, a number of wealthy clients are discussing leaving the state due to the high estate taxes, and this number will only increase, said Dean Butler, an attorney at Carney Badley Spellman PS. The bill, HB 3184, was proposed Feb. 13 and has not yet been scheduled for a hearing, said Rick Person, a coordinator for the House Finance Services Committee. The legislative session ends March 11.
Small businesses already are planning to lobby against the bill. “Our greatest concern is that this bill is another threat to small businesses at a time when so many of them are still just holding on,” said Jocelyn McCabe, a spokeswoman for the Association of Washington Business, which represents 6,900 state businesses.
Experts predict that given the number of states with growing deficits, Washington won't be alone in proposing such legislation this year.
For financial advisers, this means that it's more important than ever to pay attention to what's going on locally, said Gail Cohen, head of global wealth management at Fiduciary Trust Company International. “Don't assume that just because there is no federal estate tax, there won't be any estate tax at all,” she said.
Source: http://www.investmentnews.com/apps/pbcs.dll/article?AID=/20100216/FREE/100219915
There are currently 14 states and the District of Columbia which have state estate taxes. You can click here to see a chart of the states and the exemption amounts. Did you know that 7 states have an inheritance tax? Click here for a chart and be glad your state is not listed!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The federal "death tax" may or may not rise from the dead in 2010. However, Washington State may double its state estate tax to 38% for estates at or above $9 million.
Washington state proposes 'shocking' estate tax changes
The Washington state Legislature has proposed a bill that would double the estate taxes for residents.
Currently, there is a $2 million exemption in that state, with a 10% tax that climbs up to 19% at $9 million and above. Under the proposed law, the range would jump to a 20% estate tax for more than $2 million, up to 38% at the $9 million mark.
If the latest proposal is enacted, 2011 could be a costly year for some Washington residents: Assuming that the federal estate tax, which lapsed at the end of 2009, comes back next year with a $1 million exemption at 55% as scheduled, Washington residents could be paying in excess of 75% in estate taxes, experts said.
“This is shocking and disturbing, and has very significant ramifications for the majority of our clients,” said Tom Gores, a partner in Perkins Coie LLP, a law firm with offices in Seattle and Bellevue, Wash. “We are contacting our state representatives to make sure they understand this.”
Already, a number of wealthy clients are discussing leaving the state due to the high estate taxes, and this number will only increase, said Dean Butler, an attorney at Carney Badley Spellman PS. The bill, HB 3184, was proposed Feb. 13 and has not yet been scheduled for a hearing, said Rick Person, a coordinator for the House Finance Services Committee. The legislative session ends March 11.
Small businesses already are planning to lobby against the bill. “Our greatest concern is that this bill is another threat to small businesses at a time when so many of them are still just holding on,” said Jocelyn McCabe, a spokeswoman for the Association of Washington Business, which represents 6,900 state businesses.
Experts predict that given the number of states with growing deficits, Washington won't be alone in proposing such legislation this year.
For financial advisers, this means that it's more important than ever to pay attention to what's going on locally, said Gail Cohen, head of global wealth management at Fiduciary Trust Company International. “Don't assume that just because there is no federal estate tax, there won't be any estate tax at all,” she said.
Source: http://www.investmentnews.com/apps/pbcs.dll/article?AID=/20100216/FREE/100219915
There are currently 14 states and the District of Columbia which have state estate taxes. You can click here to see a chart of the states and the exemption amounts. Did you know that 7 states have an inheritance tax? Click here for a chart and be glad your state is not listed!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Don't Forget About State Estate & Inheritance Taxes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Don't Forget About State Estate & Inheritance Taxes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The federal "death tax" may or may not rise from the dead in 2010. However, Washington State may double its state estate tax to 38% for estates at or above $9 million.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The federal "death tax" may or may not rise from the dead in 2010. However, Washington State may double its state estate tax to 38% for estates at or above $9 million.
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Washington state proposes 'shocking' estate tax changes
The Washington state Legislature has proposed a bill that would double the estate taxes for residents.
Currently, there is a $2 million exemption in that state, with a 10% tax that climbs up to 19% at $9 million and above. Under the proposed law, the range would jump to a 20% estate tax for more than $2 million, up to 38% at the $9 million mark.
If the latest proposal is enacted, 2011 could be a costly year for some Washington residents: Assuming that the federal estate tax, which lapsed at the end of 2009, comes back next year with a $1 million exemption at 55% as scheduled, Washington residents could be paying in excess of 75% in estate taxes, experts said.
“This is shocking and disturbing, and has very significant ramifications for the majority of our clients,” said Tom Gores, a partner in Perkins Coie LLP, a law firm with offices in Seattle and Bellevue, Wash. “We are contacting our state representatives to make sure they understand this.”
Already, a number of wealthy clients are discussing leaving the state due to the high estate taxes, and this number will only increase, said Dean Butler, an attorney at Carney Badley Spellman PS. The bill, HB 3184, was proposed Feb. 13 and has not yet been scheduled for a hearing, said Rick Person, a coordinator for the House Finance Services Committee. The legislative session ends March 11.
Small businesses already are planning to lobby against the bill. “Our greatest concern is that this bill is another threat to small businesses at a time when so many of them are still just holding on,” said Jocelyn McCabe, a spokeswoman for the Association of Washington Business, which represents 6,900 state businesses.
Experts predict that given the number of states with growing deficits, Washington won't be alone in proposing such legislation this year.
For financial advisers, this means that it's more important than ever to pay attention to what's going on locally, said Gail Cohen, head of global wealth management at Fiduciary Trust Company International. “Don't assume that just because there is no federal estate tax, there won't be any estate tax at all,” she said.
Source: http://www.investmentnews.com/apps/pbcs.dll/article?AID=/20100216/FREE/100219915
There are currently 14 states and the District of Columbia which have state estate taxes. You can click here to see a chart of the states and the exemption amounts. Did you know that 7 states have an inheritance tax? Click here for a chart and be glad your state is not listed!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Washington state proposes 'shocking' estate tax changes
The Washington state Legislature has proposed a bill that would double the estate taxes for residents.
Currently, there is a $2 million exemption in that state, with a 10% tax that climbs up to 19% at $9 million and above. Under the proposed law, the range would jump to a 20% estate tax for more than $2 million, up to 38% at the $9 million mark.
If the latest proposal is enacted, 2011 could be a costly year for some Washington residents: Assuming that the federal estate tax, which lapsed at the end of 2009, comes back next year with a $1 million exemption at 55% as scheduled, Washington residents could be paying in excess of 75% in estate taxes, experts said.
“This is shocking and disturbing, and has very significant ramifications for the majority of our clients,” said Tom Gores, a partner in Perkins Coie LLP, a law firm with offices in Seattle and Bellevue, Wash. “We are contacting our state representatives to make sure they understand this.”
Already, a number of wealthy clients are discussing leaving the state due to the high estate taxes, and this number will only increase, said Dean Butler, an attorney at Carney Badley Spellman PS. The bill, HB 3184, was proposed Feb. 13 and has not yet been scheduled for a hearing, said Rick Person, a coordinator for the House Finance Services Committee. The legislative session ends March 11.
Small businesses already are planning to lobby against the bill. “Our greatest concern is that this bill is another threat to small businesses at a time when so many of them are still just holding on,” said Jocelyn McCabe, a spokeswoman for the Association of Washington Business, which represents 6,900 state businesses.
Experts predict that given the number of states with growing deficits, Washington won't be alone in proposing such legislation this year.
For financial advisers, this means that it's more important than ever to pay attention to what's going on locally, said Gail Cohen, head of global wealth management at Fiduciary Trust Company International. “Don't assume that just because there is no federal estate tax, there won't be any estate tax at all,” she said.
Source: http://www.investmentnews.com/apps/pbcs.dll/article?AID=/20100216/FREE/100219915
There are currently 14 states and the District of Columbia which have state estate taxes. You can click here to see a chart of the states and the exemption amounts. Did you know that 7 states have an inheritance tax? Click here for a chart and be glad your state is not listed!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Don't Forget About State Estate & Inheritance Taxes
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The federal "death tax" may or may not rise from the dead in 2010. However, Washington State may double its state estate tax to 38% for estates at or above $9 million.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The federal "death tax" may or may not rise from the dead in 2010. However, Washington State may double its state estate tax to 38% for estates at or above $9 million.
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Washington state proposes 'shocking' estate tax changes
The Washington state Legislature has proposed a bill that would double the estate taxes for residents.
Currently, there is a $2 million exemption in that state, with a 10% tax that climbs up to 19% at $9 million and above. Under the proposed law, the range would jump to a 20% estate tax for more than $2 million, up to 38% at the $9 million mark.
If the latest proposal is enacted, 2011 could be a costly year for some Washington residents: Assuming that the federal estate tax, which lapsed at the end of 2009, comes back next year with a $1 million exemption at 55% as scheduled, Washington residents could be paying in excess of 75% in estate taxes, experts said.
“This is shocking and disturbing, and has very significant ramifications for the majority of our clients,” said Tom Gores, a partner in Perkins Coie LLP, a law firm with offices in Seattle and Bellevue, Wash. “We are contacting our state representatives to make sure they understand this.”
Already, a number of wealthy clients are discussing leaving the state due to the high estate taxes, and this number will only increase, said Dean Butler, an attorney at Carney Badley Spellman PS. The bill, HB 3184, was proposed Feb. 13 and has not yet been scheduled for a hearing, said Rick Person, a coordinator for the House Finance Services Committee. The legislative session ends March 11.
Small businesses already are planning to lobby against the bill. “Our greatest concern is that this bill is another threat to small businesses at a time when so many of them are still just holding on,” said Jocelyn McCabe, a spokeswoman for the Association of Washington Business, which represents 6,900 state businesses.
Experts predict that given the number of states with growing deficits, Washington won't be alone in proposing such legislation this year.
For financial advisers, this means that it's more important than ever to pay attention to what's going on locally, said Gail Cohen, head of global wealth management at Fiduciary Trust Company International. “Don't assume that just because there is no federal estate tax, there won't be any estate tax at all,” she said.
Source: http://www.investmentnews.com/apps/pbcs.dll/article?AID=/20100216/FREE/100219915
There are currently 14 states and the District of Columbia which have state estate taxes. You can click here to see a chart of the states and the exemption amounts. Did you know that 7 states have an inheritance tax? Click here for a chart and be glad your state is not listed!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
Washington state proposes 'shocking' estate tax changes
The Washington state Legislature has proposed a bill that would double the estate taxes for residents.
Currently, there is a $2 million exemption in that state, with a 10% tax that climbs up to 19% at $9 million and above. Under the proposed law, the range would jump to a 20% estate tax for more than $2 million, up to 38% at the $9 million mark.
If the latest proposal is enacted, 2011 could be a costly year for some Washington residents: Assuming that the federal estate tax, which lapsed at the end of 2009, comes back next year with a $1 million exemption at 55% as scheduled, Washington residents could be paying in excess of 75% in estate taxes, experts said.
“This is shocking and disturbing, and has very significant ramifications for the majority of our clients,” said Tom Gores, a partner in Perkins Coie LLP, a law firm with offices in Seattle and Bellevue, Wash. “We are contacting our state representatives to make sure they understand this.”
Already, a number of wealthy clients are discussing leaving the state due to the high estate taxes, and this number will only increase, said Dean Butler, an attorney at Carney Badley Spellman PS. The bill, HB 3184, was proposed Feb. 13 and has not yet been scheduled for a hearing, said Rick Person, a coordinator for the House Finance Services Committee. The legislative session ends March 11.
Small businesses already are planning to lobby against the bill. “Our greatest concern is that this bill is another threat to small businesses at a time when so many of them are still just holding on,” said Jocelyn McCabe, a spokeswoman for the Association of Washington Business, which represents 6,900 state businesses.
Experts predict that given the number of states with growing deficits, Washington won't be alone in proposing such legislation this year.
For financial advisers, this means that it's more important than ever to pay attention to what's going on locally, said Gail Cohen, head of global wealth management at Fiduciary Trust Company International. “Don't assume that just because there is no federal estate tax, there won't be any estate tax at all,” she said.
Source: http://www.investmentnews.com/apps/pbcs.dll/article?AID=/20100216/FREE/100219915
There are currently 14 states and the District of Columbia which have state estate taxes. You can click here to see a chart of the states and the exemption amounts. Did you know that 7 states have an inheritance tax? Click here for a chart and be glad your state is not listed!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Don't Forget About State Estate & Inheritance Taxes
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Don't Forget About State Estate & Inheritance Taxes
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: The federal "death tax" may or may not rise from the dead in 2010. However, Washington State may double its state estate tax to 38% for estates at or above $9 million. Will other states follow this year?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: The federal "death tax" may or may not rise from the dead in 2010. However, Washington State may double its state estate tax to 38% for estates at or above $9 million. Will other states follow this year?
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons encourages financial advisors to develop their public speaking ability by getting more experience doing their own seminars as well as joining groups like Toastmasters. www.toastmasters.org/ . For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons encourages financial advisors to develop their public speaking ability by getting more experience doing their own seminars as well as joining groups like Toastmasters. www.toastmasters.org/ . For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success with Better Public Speaking
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success with Better Public Speaking
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons encourages financial advisors to develop their public speaking ability by getting more experience doing their own seminars as well as joining groups like Toastmasters.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons encourages financial advisors to develop their public speaking ability by getting more experience doing their own seminars as well as joining groups like Toastmasters.
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=640
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=640
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success with Better Public Speaking
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing Success with Better Public Speaking
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: www.toastmasters.org/ . For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons encourages financial advisors to develop their public speaking ability by getting more experience doing their own seminars as well as joining groups like Toastmasters. www.toastmasters.org/ . For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success with Better Public Speaking
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Richard Emmons encourages financial advisors to develop their public speaking ability by getting more experience doing their own seminars as well as joining groups like Toastmasters. www.toastmasters.org/ . For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Richard Emmons encourages financial advisors to develop their public speaking ability by getting more experience doing their own seminars as well as joining groups like Toastmasters. www.toastmasters.org/ . For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing Success with Better Public Speaking
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: creating a USP or "unique selling proposition." For financial advisors, this USP answers the question of why someone should do business with you rather than with a competitor or just doing it themselves.
Your USP sets you apart from your competitors and reminds your clients why they do business with you.
First, let's define "USP" to include your core story. Why? Because financial advisors can't create a pithy 17 word USP which screams a big benefit for clients because compliance departments just won't let you. Imagine if M&M-Mars had a compliance department:
"M&Ms may melt in your mouth not in your hands and past performance may not be indicative of future results and the performance of a specific individual M&M may vary substantially from the composite performance."
Ouch. So you should create a concise phrase for your business but augment it with a longer core story which speaks about who you are, your background, how you became a financial planner and how all of this works to benefit your clients.
Now let's talk about putting your USP to work. As an example, let's modify Walmart's current USP, "Save money. Live Better." to a concise, powerful, yet never-to-be-approved, "Make Money. Retire Better. "
Your goal is to put "Make Money. Retire Better." in all your marketing materials and in every communication piece your clients see. Let's list some easy ways:
Your website banner. Change your header graphic and every page of your website will be updated.
Your website articles. Update your bio page, qualifications page, etc. to emphasize what makes you different.
Your client statements. Maybe you can put in the footer or the cover page of the statement.
Your investment proposals. You want your USP to appear near your picture.
Your answering machine message: "Thank you for calling John Smith & Associates, where we help you make money and retire better. How may I help you?
Your email signature block
Your fax cover sheet
Add it to your byline in articles you write.
Add it to introductions when you speak in public
Display advertisements.
Press releases
Other places may wait until you need to reprint:
Your business cards.
Your practice brochures.
Your letterhead. Consider adding your USP to the bottom of your signature block until you reprint.
Your checks. You never know if one of your vendors needs a financial advisor.
Your yellow page ads
Your billboards. Unlikely I know but what about the sign on the front of your office?
Your employee memos
The last one might seem odd at first glance but really it's critical. Imagine if one of your employees was asked, "What makes your boss different from all the other financial advisors out there?" What would she say? Imagine, a Fed Ex employee being asked in 1978, "Why should I pay ten bucks to mail a letter?" "I don't know" would be the wrong answer!
All your employees should know what makes you different and better and be able to explain why you're the best choice. You need to ensure that you can deliver on your promise so your employees must be trained to deliver on your USP. Proverbs 29:18 states, "Where there is no vision, the people perish." Use your USP training to get your employees jazzed up on how you aim high and want to over deliver on your promises.
creating a USP or "unique selling proposition." For financial advisors, this USP answers the question of why someone should do business with you rather than with a competitor or just doing it themselves.
Your USP sets you apart from your competitors and reminds your clients why they do business with you.
First, let's define "USP" to include your core story. Why? Because financial advisors can't create a pithy 17 word USP which screams a big benefit for clients because compliance departments just won't let you. Imagine if M&M-Mars had a compliance department:
"M&Ms may melt in your mouth not in your hands and past performance may not be indicative of future results and the performance of a specific individual M&M may vary substantially from the composite performance."
Ouch. So you should create a concise phrase for your business but augment it with a longer core story which speaks about who you are, your background, how you became a financial planner and how all of this works to benefit your clients.
Now let's talk about putting your USP to work. As an example, let's modify Walmart's current USP, "Save money. Live Better." to a concise, powerful, yet never-to-be-approved, "Make Money. Retire Better. "
Your goal is to put "Make Money. Retire Better." in all your marketing materials and in every communication piece your clients see. Let's list some easy ways:
Your website banner. Change your header graphic and every page of your website will be updated.
Your website articles. Update your bio page, qualifications page, etc. to emphasize what makes you different.
Your client statements. Maybe you can put in the footer or the cover page of the statement.
Your investment proposals. You want your USP to appear near your picture.
Your answering machine message: "Thank you for calling John Smith & Associates, where we help you make money and retire better. How may I help you?
Your email signature block
Your fax cover sheet
Add it to your byline in articles you write.
Add it to introductions when you speak in public
Display advertisements.
Press releases
Other places may wait until you need to reprint:
Your business cards.
Your practice brochures.
Your letterhead. Consider adding your USP to the bottom of your signature block until you reprint.
Your checks. You never know if one of your vendors needs a financial advisor.
Your yellow page ads
Your billboards. Unlikely I know but what about the sign on the front of your office?
Your employee memos
The last one might seem odd at first glance but really it's critical. Imagine if one of your employees was asked, "What makes your boss different from all the other financial advisors out there?" What would she say? Imagine, a Fed Ex employee being asked in 1978, "Why should I pay ten bucks to mail a letter?" "I don't know" would be the wrong answer!
All your employees should know what makes you different and better and be able to explain why you're the best choice. You need to ensure that you can deliver on your promise so your employees must be trained to deliver on your USP. Proverbs 29:18 states, "Where there is no vision, the people perish." Use your USP training to get your employees jazzed up on how you aim high and want to over deliver on your promises.
Make Money. Retire Better. "
Your goal is to put "Make Money. Retire Better." in all your marketing materials and in every communication piece your clients see. Let's list some easy ways:
Your website banner. Change your header graphic and every page of your website will be updated.
Your website articles. Update your bio page, qualifications page, etc. to emphasize what makes you different.
Your client statements. Maybe you can put in the footer or the cover page of the statement.
Your investment proposals. You want your USP to appear near your picture.
Your answering machine message: "Thank you for calling John Smith & Associates, where we help you make money and retire better. How may I help you?
Your email signature block
Your fax cover sheet
Add it to your byline in articles you write.
Add it to introductions when you speak in public
Display advertisements.
Press releases
Other places may wait until you need to reprint:
Your business cards.
Your practice brochures.
Your letterhead. Consider adding your USP to the bottom of your signature block until you reprint.
Your checks. You never know if one of your vendors needs a financial advisor.
Your yellow page ads
Your billboards. Unlikely I know but what about the sign on the front of your office?
Your employee memos
The last one might seem odd at first glance but really it's critical. Imagine if one of your employees was asked, "What makes your boss different from all the other financial advisors out there?" What would she say? Imagine, a Fed Ex employee being asked in
All your employees should know what makes you different and better and be able to explain why you're the best choice.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: In my last post we spoke about creating a USP or "unique selling proposition." For financial advisors, this USP answers the question of why someone should do business with you rather than with a competitor or just doing it themselves.
Your USP sets you apart from your competitors and reminds your clients why they do business with you.
First, let's define "USP" to include your core story. Why? Because financial advisors can't create a pithy 17 word USP which screams a big benefit for clients because compliance departments just won't let you. Imagine if M&M-Mars had a compliance department:
"M&Ms may melt in your mouth not in your hands and past performance may not be indicative of future results and the performance of a specific individual M&M may vary substantially from the composite performance."
Ouch. So you should create a concise phrase for your business but augment it with a longer core story which speaks about who you are, your background, how you became a financial planner and how all of this works to benefit your clients.
Now let's talk about putting your USP to work. As an example, let's modify Walmart's current USP, "Save money. Live Better." to a concise, powerful, yet never-to-be-approved, "Make Money. Retire Better. "
Your goal is to put "Make Money. Retire Better." in all your marketing materials and in every communication piece your clients see. Let's list some easy ways:
Your website banner. Change your header graphic and every page of your website will be updated.
Your website articles. Update your bio page, qualifications page, etc. to emphasize what makes you different.
Your client statements. Maybe you can put in the footer or the cover page of the statement.
Your investment proposals. You want your USP to appear near your picture.
Your answering machine message: "Thank you for calling John Smith & Associates, where we help you make money and retire better. How may I help you?
Your email signature block
Your fax cover sheet
Add it to your byline in articles you write.
Add it to introductions when you speak in public
Display advertisements.
Press releases
Other places may wait until you need to reprint:
Your business cards.
Your practice brochures.
Your letterhead. Consider adding your USP to the bottom of your signature block until you reprint.
Your checks. You never know if one of your vendors needs a financial advisor.
Your yellow page ads
Your billboards. Unlikely I know but what about the sign on the front of your office?
Your employee memos
The last one might seem odd at first glance but really it's critical. Imagine if one of your employees was asked, "What makes your boss different from all the other financial advisors out there?" What would she say? Imagine, a Fed Ex employee being asked in
All your employees should know what makes you different and better and be able to explain why you're the best choice.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Advisor Marketing: Putting Your USP to work
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Advisor Marketing: Putting Your USP to work
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/647-revision-3/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Make Money. Retire Better. "
Your goal is to put "Make Money. Retire Better." in all your marketing materials and in every communication piece your clients see. Let's list some easy ways:
Your website banner. Change your header graphic and every page of your website will be updated.
Your website articles. Update your bio page, qualifications page, etc. to emphasize what makes you different.
Your client statements. Maybe you can put in the footer or the cover page of the statement.
Your investment proposals. You want your USP to appear near your picture.
Your answering machine message: "Thank you for calling John Smith & Associates, where we help you make money and retire better. How may I help you?
Your email signature block
Your fax cover sheet
Add it to your byline in articles you write.
Add it to introductions when you speak in public
Display advertisements.
Press releases
Other places may wait until you need to reprint:
Your business cards.
Your practice brochures.
Your letterhead. Consider adding your USP to the bottom of your signature block until you reprint.
Your checks. You never know if one of your vendors needs a financial advisor.
Your yellow page ads
Your billboards. Unlikely I know but what about the sign on the front of your office?
Your employee memos
The last one might seem odd at first glance but really it's critical. Imagine if one of your employees was asked, "What makes your boss different from all the other financial advisors out there?" What would she say? Imagine, a Fed Ex employee being asked in 1978, "Why should I pay ten bucks to mail a letter?" "I don't know" would be the wrong answer!
All your employees should know what makes you different and better and be able to explain why you're the best choice. You need to ensure that you can deliver on your promise so your employees must be trained to deliver on your USP. Proverbs 29:18 states, "Where there is no vision, the people perish." Use your USP training to get your employees jazzed up on how you aim high and want to over deliver on your promises.
Make Money. Retire Better. "
Your goal is to put "Make Money. Retire Better." in all your marketing materials and in every communication piece your clients see. Let's list some easy ways:
Your website banner. Change your header graphic and every page of your website will be updated.
Your website articles. Update your bio page, qualifications page, etc. to emphasize what makes you different.
Your client statements. Maybe you can put in the footer or the cover page of the statement.
Your investment proposals. You want your USP to appear near your picture.
Your answering machine message: "Thank you for calling John Smith & Associates, where we help you make money and retire better. How may I help you?
Your email signature block
Your fax cover sheet
Add it to your byline in articles you write.
Add it to introductions when you speak in public
Display advertisements.
Press releases
Other places may wait until you need to reprint:
Your business cards.
Your practice brochures.
Your letterhead. Consider adding your USP to the bottom of your signature block until you reprint.
Your checks. You never know if one of your vendors needs a financial advisor.
Your yellow page ads
Your billboards. Unlikely I know but what about the sign on the front of your office?
Your employee memos
The last one might seem odd at first glance but really it's critical. Imagine if one of your employees was asked, "What makes your boss different from all the other financial advisors out there?" What would she say? Imagine, a Fed Ex employee being asked in 1978, "Why should I pay ten bucks to mail a letter?" "I don't know" would be the wrong answer!
All your employees should know what makes you different and better and be able to explain why you're the best choice. You need to ensure that you can deliver on your promise so your employees must be trained to deliver on your USP. Proverbs 29:18 states, "Where there is no vision, the people perish." Use your USP training to get your employees jazzed up on how you aim high and want to over deliver on your promises.
Make Money. Retire Better. "
Your goal is to put "Make Money. Retire Better." in all your marketing materials and in every communication piece your clients see. Let's list some easy ways:
Your website banner. Change your header graphic and every page of your website will be updated.
Your website articles. Update your bio page, qualifications page, etc. to emphasize what makes you different.
Your client statements. Maybe you can put in the footer or the cover page of the statement.
Your investment proposals. You want your USP to appear near your picture.
Your answering machine message: "Thank you for calling John Smith & Associates, where we help you make money and retire better. How may I help you?
Your email signature block
Your fax cover sheet
Add it to your byline in articles you write.
Add it to introductions when you speak in public
Display advertisements.
Press releases
Other places may wait until you need to reprint:
Your business cards.
Your practice brochures.
Your letterhead. Consider adding your USP to the bottom of your signature block until you reprint.
Your checks. You never know if one of your vendors needs a financial advisor.
Your yellow page ads
Your billboards. Unlikely I know but what about the sign on the front of your office?
Your employee memos
The last one might seem odd at first glance but really it's critical. Imagine if one of your employees was asked, "What makes your boss different from all the other financial advisors out there?" What would she say? Imagine, a Fed Ex employee being asked in 1978, "Why should I pay ten bucks to mail a letter?" "I don't know" would be the wrong answer!
All your employees should know what makes you different and better and be able to explain why you're the best choice. You need to ensure that you can deliver on your promise so your employees must be trained to deliver on your USP. Proverbs 29:18 states, "Where there is no vision, the people perish." Use your USP training to get your employees jazzed up on how you aim high and want to over deliver on your promises.
Make Money. Retire Better. "
Your goal is to put "Make Money. Retire Better." in all your marketing materials and in every communication piece your clients see. Let's list some easy ways:
Your website banner. Change your header graphic and every page of your website will be updated.
Your website articles. Update your bio page, qualifications page, etc. to emphasize what makes you different.
Your client statements. Maybe you can put in the footer or the cover page of the statement.
Your investment proposals. You want your USP to appear near your picture.
Your answering machine message: "Thank you for calling John Smith & Associates, where we help you make money and retire better. How may I help you?
Your email signature block
Your fax cover sheet
Add it to your byline in articles you write.
Add it to introductions when you speak in public
Display advertisements.
Press releases
Other places may wait until you need to reprint:
Your business cards.
Your practice brochures.
Your letterhead. Consider adding your USP to the bottom of your signature block until you reprint.
Your checks. You never know if one of your vendors needs a financial advisor.
Your yellow page ads
Your billboards. Unlikely I know but what about the sign on the front of your office?
Your employee memos
The last one might seem odd at first glance but really it's critical. Imagine if one of your employees was asked, "What makes your boss different from all the other financial advisors out there?" What would she say? Imagine, a Fed Ex employee being asked in 1978, "Why should I pay ten bucks to mail a letter?" "I don't know" would be the wrong answer!
All your employees should know what makes you different and better and be able to explain why you're the best choice. You need to ensure that you can deliver on your promise so your employees must be trained to deliver on your USP. Proverbs 29:18 states, "Where there is no vision, the people perish." Use your USP training to get your employees jazzed up on how you aim high and want to over deliver on your promises.
creating a USP or "unique selling proposition." For financial advisors, this USP answers the question of why someone should do business with you rather than with a competitor or just doing it themselves.
Your USP sets you apart from your competitors and reminds your clients why they do business with you.
First, let's define "USP" to include your core story. Why? Because financial advisors can't create a pithy 17 word USP which screams a big benefit for clients because compliance departments just won't let you. Imagine if M&M-Mars had a compliance department:
"M&Ms may melt in your mouth not in your hands and past performance may not be indicative of future results and the performance of a specific individual M&M may vary substantially from the composite performance."
Ouch. So you should create a concise phrase for your business but augment it with a longer core story which speaks about who you are, your background, how you became a financial planner and how all of this works to benefit your clients.
Now let's talk about putting your USP to work. As an example, let's modify Walmart's current USP, "Save money. Live Better." to a concise, powerful, yet never-to-be-approved, "Make Money. Retire Better. "
Your goal is to put "Make Money. Retire Better." in all your marketing materials and in every communication piece your clients see. Let's list some easy ways:
Your website banner. Change your header graphic and every page of your website will be updated.
Your website articles. Update your bio page, qualifications page, etc. to emphasize what makes you different.
Your client statements. Maybe you can put in the footer or the cover page of the statement.
Your investment proposals. You want your USP to appear near your picture.
Your answering machine message: "Thank you for calling John Smith & Associates, where we help you make money and retire better. How may I help you?
Your email signature block
Your fax cover sheet
Add it to your byline in articles you write.
Add it to introductions when you speak in public
Display advertisements.
Press releases
Other places may wait until you need to reprint:
Your business cards.
Your practice brochures.
Your letterhead. Consider adding your USP to the bottom of your signature block until you reprint.
Your checks. You never know if one of your vendors needs a financial advisor.
Your yellow page ads
Your billboards. Unlikely I know but what about the sign on the front of your office?
Your employee memos
The last one might seem odd at first glance but really it's critical. Imagine if one of your employees was asked, "What makes your boss different from all the other financial advisors out there?" What would she say? Imagine, a Fed Ex employee being asked in 1978, "Why should I pay ten bucks to mail a letter?" "I don't know" would be the wrong answer!
All your employees should know what makes you different and better and be able to explain why you're the best choice. You need to ensure that you can deliver on your promise so your employees must be trained to deliver on your USP. Proverbs 29:18 states, "Where there is no vision, the people perish." Use your USP training to get your employees jazzed up on how you aim high and want to over deliver on your promises.
creating a USP or "unique selling proposition." For financial advisors, this USP answers the question of why someone should do business with you rather than with a competitor or just doing it themselves.
Your USP sets you apart from your competitors and reminds your clients why they do business with you.
First, let's define "USP" to include your core story. Why? Because financial advisors can't create a pithy 17 word USP which screams a big benefit for clients because compliance departments just won't let you. Imagine if M&M-Mars had a compliance department:
"M&Ms may melt in your mouth not in your hands and past performance may not be indicative of future results and the performance of a specific individual M&M may vary substantially from the composite performance."
Ouch. So you should create a concise phrase for your business but augment it with a longer core story which speaks about who you are, your background, how you became a financial planner and how all of this works to benefit your clients.
Now let's talk about putting your USP to work. As an example, let's modify Walmart's current USP, "Save money. Live Better." to a concise, powerful, yet never-to-be-approved, "Make Money. Retire Better. "
Your goal is to put "Make Money. Retire Better." in all your marketing materials and in every communication piece your clients see. Let's list some easy ways:
Your website banner. Change your header graphic and every page of your website will be updated.
Your website articles. Update your bio page, qualifications page, etc. to emphasize what makes you different.
Your client statements. Maybe you can put in the footer or the cover page of the statement.
Your investment proposals. You want your USP to appear near your picture.
Your answering machine message: "Thank you for calling John Smith & Associates, where we help you make money and retire better. How may I help you?
Your email signature block
Your fax cover sheet
Add it to your byline in articles you write.
Add it to introductions when you speak in public
Display advertisements.
Press releases
Other places may wait until you need to reprint:
Your business cards.
Your practice brochures.
Your letterhead. Consider adding your USP to the bottom of your signature block until you reprint.
Your checks. You never know if one of your vendors needs a financial advisor.
Your yellow page ads
Your billboards. Unlikely I know but what about the sign on the front of your office?
Your employee memos
The last one might seem odd at first glance but really it's critical. Imagine if one of your employees was asked, "What makes your boss different from all the other financial advisors out there?" What would she say? Imagine, a Fed Ex employee being asked in 1978, "Why should I pay ten bucks to mail a letter?" "I don't know" would be the wrong answer!
All your employees should know what makes you different and better and be able to explain why you're the best choice. You need to ensure that you can deliver on your promise so your employees must be trained to deliver on your USP. Proverbs 29:18 states, "Where there is no vision, the people perish." Use your USP training to get your employees jazzed up on how you aim high and want to over deliver on your promises.
creating a USP or "unique selling proposition." For financial advisors, this USP answers the question of why someone should do business with you rather than with a competitor or just doing it themselves.
Your USP sets you apart from your competitors and reminds your clients why they do business with you.
First, let's define "USP" to include your core story. Why? Because financial advisors can't create a pithy 17 word USP which screams a big benefit for clients because compliance departments just won't let you. Imagine if M&M-Mars had a compliance department:
"M&Ms may melt in your mouth not in your hands and past performance may not be indicative of future results and the performance of a specific individual M&M may vary substantially from the composite performance."
Ouch. So you should create a concise phrase for your business but augment it with a longer core story which speaks about who you are, your background, how you became a financial planner and how all of this works to benefit your clients.
Now let's talk about putting your USP to work. As an example, let's modify Walmart's current USP, "Save money. Live Better." to a concise, powerful, yet never-to-be-approved, "Make Money. Retire Better. "
Your goal is to put "Make Money. Retire Better." in all your marketing materials and in every communication piece your clients see. Let's list some easy ways:
Your website banner. Change your header graphic and every page of your website will be updated.
Your website articles. Update your bio page, qualifications page, etc. to emphasize what makes you different.
Your client statements. Maybe you can put in the footer or the cover page of the statement.
Your investment proposals. You want your USP to appear near your picture.
Your answering machine message: "Thank you for calling John Smith & Associates, where we help you make money and retire better. How may I help you?
Your email signature block
Your fax cover sheet
Add it to your byline in articles you write.
Add it to introductions when you speak in public
Display advertisements.
Press releases
Other places may wait until you need to reprint:
Your business cards.
Your practice brochures.
Your letterhead. Consider adding your USP to the bottom of your signature block until you reprint.
Your checks. You never know if one of your vendors needs a financial advisor.
Your yellow page ads
Your billboards. Unlikely I know but what about the sign on the front of your office?
Your employee memos
The last one might seem odd at first glance but really it's critical. Imagine if one of your employees was asked, "What makes your boss different from all the other financial advisors out there?" What would she say? Imagine, a Fed Ex employee being asked in 1978, "Why should I pay ten bucks to mail a letter?" "I don't know" would be the wrong answer!
All your employees should know what makes you different and better and be able to explain why you're the best choice. You need to ensure that you can deliver on your promise so your employees must be trained to deliver on your USP. Proverbs 29:18 states, "Where there is no vision, the people perish." Use your USP training to get your employees jazzed up on how you aim high and want to over deliver on your promises.
creating a USP or "unique selling proposition." For financial advisors, this USP answers the question of why someone should do business with you rather than with a competitor or just doing it themselves.
Your USP sets you apart from your competitors and reminds your clients why they do business with you.
First, let's define "USP" to include your core story. Why? Because financial advisors can't create a pithy 17 word USP which screams a big benefit for clients because compliance departments just won't let you. Imagine if M&M-Mars had a compliance department:
"M&Ms may melt in your mouth not in your hands and past performance may not be indicative of future results and the performance of a specific individual M&M may vary substantially from the composite performance."
Ouch. So you should create a concise phrase for your business but augment it with a longer core story which speaks about who you are, your background, how you became a financial planner and how all of this works to benefit your clients.
Now let's talk about putting your USP to work. As an example, let's modify Walmart's current USP, "Save money. Live Better." to a concise, powerful, yet never-to-be-approved, "Make Money. Retire Better. "
Your goal is to put "Make Money. Retire Better." in all your marketing materials and in every communication piece your clients see. Let's list some easy ways:
Your website banner. Change your header graphic and every page of your website will be updated.
Your website articles. Update your bio page, qualifications page, etc. to emphasize what makes you different.
Your client statements. Maybe you can put in the footer or the cover page of the statement.
Your investment proposals. You want your USP to appear near your picture.
Your answering machine message: "Thank you for calling John Smith & Associates, where we help you make money and retire better. How may I help you?
Your email signature block
Your fax cover sheet
Add it to your byline in articles you write.
Add it to introductions when you speak in public
Display advertisements.
Press releases
Other places may wait until you need to reprint:
Your business cards.
Your practice brochures.
Your letterhead. Consider adding your USP to the bottom of your signature block until you reprint.
Your checks. You never know if one of your vendors needs a financial advisor.
Your yellow page ads
Your billboards. Unlikely I know but what about the sign on the front of your office?
Your employee memos
The last one might seem odd at first glance but really it's critical. Imagine if one of your employees was asked, "What makes your boss different from all the other financial advisors out there?" What would she say? Imagine, a Fed Ex employee being asked in 1978, "Why should I pay ten bucks to mail a letter?" "I don't know" would be the wrong answer!
All your employees should know what makes you different and better and be able to explain why you're the best choice. You need to ensure that you can deliver on your promise so your employees must be trained to deliver on your USP. Proverbs 29:18 states, "Where there is no vision, the people perish." Use your USP training to get your employees jazzed up on how you aim high and want to over deliver on your promises.
creating a USP or "unique selling proposition." For financial advisors, this USP answers the question of why someone should do business with you rather than with a competitor or just doing it themselves.
Your USP sets you apart from your competitors and reminds your clients why they do business with you.
First, let's define "USP" to include your core story. Why? Because financial advisors can't create a pithy 17 word USP which screams a big benefit for clients because compliance departments just won't let you. Imagine if M&M-Mars had a compliance department:
"M&Ms may melt in your mouth not in your hands and past performance may not be indicative of future results and the performance of a specific individual M&M may vary substantially from the composite performance."
Ouch. So you should create a concise phrase for your business but augment it with a longer core story which speaks about who you are, your background, how you became a financial planner and how all of this works to benefit your clients.
Now let's talk about putting your USP to work. As an example, let's modify Walmart's current USP, "Save money. Live Better." to a concise, powerful, yet never-to-be-approved, "Make Money. Retire Better. "
Your goal is to put "Make Money. Retire Better." in all your marketing materials and in every communication piece your clients see. Let's list some easy ways:
Your website banner. Change your header graphic and every page of your website will be updated.
Your website articles. Update your bio page, qualifications page, etc. to emphasize what makes you different.
Your client statements. Maybe you can put in the footer or the cover page of the statement.
Your investment proposals. You want your USP to appear near your picture.
Your answering machine message: "Thank you for calling John Smith & Associates, where we help you make money and retire better. How may I help you?
Your email signature block
Your fax cover sheet
Add it to your byline in articles you write.
Add it to introductions when you speak in public
Display advertisements.
Press releases
Other places may wait until you need to reprint:
Your business cards.
Your practice brochures.
Your letterhead. Consider adding your USP to the bottom of your signature block until you reprint.
Your checks. You never know if one of your vendors needs a financial advisor.
Your yellow page ads
Your billboards. Unlikely I know but what about the sign on the front of your office?
Your employee memos
The last one might seem odd at first glance but really it's critical. Imagine if one of your employees was asked, "What makes your boss different from all the other financial advisors out there?" What would she say? Imagine, a Fed Ex employee being asked in 1978, "Why should I pay ten bucks to mail a letter?" "I don't know" would be the wrong answer!
All your employees should know what makes you different and better and be able to explain why you're the best choice. You need to ensure that you can deliver on your promise so your employees must be trained to deliver on your USP. Proverbs 29:18 states, "Where there is no vision, the people perish." Use your USP training to get your employees jazzed up on how you aim high and want to over deliver on your promises.
creating a USP or "unique selling proposition." For financial advisors, this USP answers the question of why someone should do business with you rather than with a competitor or just doing it themselves.
Your USP sets you apart from your competitors and reminds your clients why they do business with you.
First, let's define "USP" to include your core story. Why? Because financial advisors can't create a pithy 17 word USP which screams a big benefit for clients because compliance departments just won't let you. Imagine if M&M-Mars had a compliance department:
"M&Ms may melt in your mouth not in your hands and past performance may not be indicative of future results and the performance of a specific individual M&M may vary substantially from the composite performance."
Ouch. So you should create a concise phrase for your business but augment it with a longer core story which speaks about who you are, your background, how you became a financial planner and how all of this works to benefit your clients.
Now let's talk about putting your USP to work. As an example, let's modify Walmart's current USP, "Save money. Live Better." to a concise, powerful, yet never-to-be-approved, "Make Money. Retire Better. "
Your goal is to put "Make Money. Retire Better." in all your marketing materials and in every communication piece your clients see. Let's list some easy ways:
Your website banner. Change your header graphic and every page of your website will be updated.
Your website articles. Update your bio page, qualifications page, etc. to emphasize what makes you different.
Your client statements. Maybe you can put in the footer or the cover page of the statement.
Your investment proposals. You want your USP to appear near your picture.
Your answering machine message: "Thank you for calling John Smith & Associates, where we help you make money and retire better. How may I help you?
Your email signature block
Your fax cover sheet
Add it to your byline in articles you write.
Add it to introductions when you speak in public
Display advertisements.
Press releases
Other places may wait until you need to reprint:
Your business cards.
Your practice brochures.
Your letterhead. Consider adding your USP to the bottom of your signature block until you reprint.
Your checks. You never know if one of your vendors needs a financial advisor.
Your yellow page ads
Your billboards. Unlikely I know but what about the sign on the front of your office?
Your employee memos
The last one might seem odd at first glance but really it's critical. Imagine if one of your employees was asked, "What makes your boss different from all the other financial advisors out there?" What would she say? Imagine, a Fed Ex employee being asked in 1978, "Why should I pay ten bucks to mail a letter?" "I don't know" would be the wrong answer!
All your employees should know what makes you different and better and be able to explain why you're the best choice. You need to ensure that you can deliver on your promise so your employees must be trained to deliver on your USP. Proverbs 29:18 states, "Where there is no vision, the people perish." Use your USP training to get your employees jazzed up on how you aim high and want to over deliver on your promises.
creating a USP or "unique selling proposition." For financial advisors, this USP answers the question of why someone should do business with you rather than with a competitor or just doing it themselves.
Your USP sets you apart from your competitors and reminds your clients why they do business with you.
First, let's define "USP" to include your core story. Why? Because financial advisors can't create a pithy 17 word USP which screams a big benefit for clients because compliance departments just won't let you. Imagine if M&M-Mars had a compliance department:
"M&Ms may melt in your mouth not in your hands and past performance may not be indicative of future results and the performance of a specific individual M&M may vary substantially from the composite performance."
Ouch. So you should create a concise phrase for your business but augment it with a longer core story which speaks about who you are, your background, how you became a financial planner and how all of this works to benefit your clients.
Now let's talk about putting your USP to work. As an example, let's modify Walmart's current USP, "Save money. Live Better." to a concise, powerful, yet never-to-be-approved, "Make Money. Retire Better. "
Your goal is to put "Make Money. Retire Better." in all your marketing materials and in every communication piece your clients see. Let's list some easy ways:
Your website banner. Change your header graphic and every page of your website will be updated.
Your website articles. Update your bio page, qualifications page, etc. to emphasize what makes you different.
Your client statements. Maybe you can put in the footer or the cover page of the statement.
Your investment proposals. You want your USP to appear near your picture.
Your answering machine message: "Thank you for calling John Smith & Associates, where we help you make money and retire better. How may I help you?
Your email signature block
Your fax cover sheet
Add it to your byline in articles you write.
Add it to introductions when you speak in public
Display advertisements.
Press releases
Other places may wait until you need to reprint:
Your business cards.
Your practice brochures.
Your letterhead. Consider adding your USP to the bottom of your signature block until you reprint.
Your checks. You never know if one of your vendors needs a financial advisor.
Your yellow page ads
Your billboards. Unlikely I know but what about the sign on the front of your office?
Your employee memos
The last one might seem odd at first glance but really it's critical. Imagine if one of your employees was asked, "What makes your boss different from all the other financial advisors out there?" What would she say? Imagine, a Fed Ex employee being asked in 1978, "Why should I pay ten bucks to mail a letter?" "I don't know" would be the wrong answer!
All your employees should know what makes you different and better and be able to explain why you're the best choice. You need to ensure that you can deliver on your promise so your employees must be trained to deliver on your USP. Proverbs 29:18 states, "Where there is no vision, the people perish." Use your USP training to get your employees jazzed up on how you aim high and want to over deliver on your promises.
creating a USP or "unique selling proposition." For financial advisors, this USP answers the question of why someone should do business with you rather than with a competitor or just doing it themselves.
Your USP sets you apart from your competitors and reminds your clients why they do business with you.
First, let's define "USP" to include your core story. Why? Because financial advisors can't create a pithy 17 word USP which screams a big benefit for clients because compliance departments just won't let you. Imagine if M&M-Mars had a compliance department:
"M&Ms may melt in your mouth not in your hands and past performance may not be indicative of future results and the performance of a specific individual M&M may vary substantially from the composite performance."
Ouch. So you should create a concise phrase for your business but augment it with a longer core story which speaks about who you are, your background, how you became a financial planner and how all of this works to benefit your clients.
Now let's talk about putting your USP to work. As an example, let's modify Walmart's current USP, "Save money. Live Better." to a concise, powerful, yet never-to-be-approved, "Make Money. Retire Better. "
Your goal is to put "Make Money. Retire Better." in all your marketing materials and in every communication piece your clients see. Let's list some easy ways:
Your website banner. Change your header graphic and every page of your website will be updated.
Your website articles. Update your bio page, qualifications page, etc. to emphasize what makes you different.
Your client statements. Maybe you can put in the footer or the cover page of the statement.
Your investment proposals. You want your USP to appear near your picture.
Your answering machine message: "Thank you for calling John Smith & Associates, where we help you make money and retire better. How may I help you?
Your email signature block
Your fax cover sheet
Add it to your byline in articles you write.
Add it to introductions when you speak in public
Display advertisements.
Press releases
Other places may wait until you need to reprint:
Your business cards.
Your practice brochures.
Your letterhead. Consider adding your USP to the bottom of your signature block until you reprint.
Your checks. You never know if one of your vendors needs a financial advisor.
Your yellow page ads
Your billboards. Unlikely I know but what about the sign on the front of your office?
Your employee memos
The last one might seem odd at first glance but really it's critical. Imagine if one of your employees was asked, "What makes your boss different from all the other financial advisors out there?" What would she say? Imagine, a Fed Ex employee being asked in 1978, "Why should I pay ten bucks to mail a letter?" "I don't know" would be the wrong answer!
All your employees should know what makes you different and better and be able to explain why you're the best choice. You need to ensure that you can deliver on your promise so your employees must be trained to deliver on your USP. Proverbs 29:18 states, "Where there is no vision, the people perish." Use your USP training to get your employees jazzed up on how you aim high and want to over deliver on your promises.
Facebook becomes bigger hit than Google
By Chris Nuttall and David Gelles in San Francisco
Published: March 16 2010 13:15 | Last updated: March 17 2010 00:10
Social networking website Facebook has capped a year of phenomenal growth by overtaking Google’s popularity among US internet users, with industry data showing it has scored more visits on its home page than the search engine.
Read the rest of the article
The ABC's of Social Networking
You may be like me a couple years ago when I asked my 15-year old daughter to help me set up a Facebook account. What did it mean to "write on someone's wall"? I had no idea.
I set up a Facebook page mainly to keep up on my daughters' social activities. And soon old high school classmates would find me and we'd exchange some mail. The idea was to keep up with your "Friends" by reading what they're up to and leaving status updates on what you're up to. I could update my Facebook page now with something like "I am explaining what Facebook is all about to a bunch of financial advisors" but that would be a bit lame. I recommend you ask your own son or daughter so I won't try to do it here.
Ditto for Twitter. Twitter is "micro-blogging" because you're limited to 140 characters per entry. Not words and not letters so you need to be really concise. This paragraph is 203 characters by the way.
LinkedIn.com is like Facebook for business owners and professionals. Unlike Twitter and Facebook, LinkedIn charges a monthly fee to get full functionality.
Should Advisors Care?
Yes and no. You need to stay in touch with your clients and "social networking" sites like Facebook, Twitter, and LinkedIn will be used by more and more of your clients. Over time, your prospective clients will find you on these sites and check you out. And your clients will want to keep in touch with you and what's going on.
Yet don't think you need to spend a lot of time here. You're probably busy enough as it is. Plus your compliance department might give you a big thumbs down. So should you do anything?
Yes. I strongly recommend that you grab your profile names NOW so you'll have them later.
Think back to that modern marketing miracle: the 800 number. Customers could call companies without making a long distance phone call or calling collect. Whole advertising campaigns promoted vanity 800 numbers like 1-800-FLOWERS. Imagine snagging 1-800-PLANNER back in 1964 when AT&T created the idea...it would have cost you a fortune if you could have gotten it. Not to mention you were 6 years old at the time.
Thankfully you can reserve your profile names now and use them more later. Here are my profile pages:
Facebook: http://www.facebook.com/richardemmons
Twitter: http://www.twitter.com/richardemmons
LinkedIn: http://www.linkedin.com/in/richardemmons
MySpace: http://www.myspace.com/richardemmons
I use Facebook the most out of these 4. Yet I just checked and discovered 28 people wished me "Happy Birthday!" a couple weeks ago. And I never commented back. I guess I had too much face time with family and friends to make time for Facebook. Oh well.
You'll notice that I automatically "tweet" my posts on this site to Twitter. Occasionally I'll toss in a quote or a status update.
I do a little bit with LinkedIn and am open to suggestions on how to use it. I joined several LinkedIn Groups related to estate planning and senior advisor marketing so I get some good articles. And a lot of fluff updates in my in-box.
I threw in MySpace as an example of reserving it and not using it. MySpace was passed up a long time ago by Facebook and will probably never recover. You never know and it cost me nothing to set up and nothing to maintain.
My recommendation is to click through and sign up for these services now. Get the best profile name you can get. If your name is taken, you can add "cfp" to your profile, put in an under_score or a period between your first and last names.
Future articles will explain how to use these profiles to help grow your business. For now just stake your claim and get your name!
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Wow. I just read that Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page.
Facebook becomes bigger hit than Google
By Chris Nuttall and David Gelles in San Francisco
Published: March 16 2010 13:15 | Last updated: March 17 2010 00:10
Social networking website Facebook has capped a year of phenomenal growth by overtaking Google’s popularity among US internet users, with industry data showing it has scored more visits on its home page than the search engine.
Read the rest of the article
The ABC's of Social Networking
You may be like me a couple years ago when I asked my 15-year old daughter to help me set up a Facebook account. What did it mean to "write on someone's wall"? I had no idea.
I set up a Facebook page mainly to keep up on my daughters' social activities. And soon old high school classmates would find me and we'd exchange some mail. The idea was to keep up with your "Friends" by reading what they're up to and leaving status updates on what you're up to. I could update my Facebook page now with something like "I am explaining what Facebook is all about to a bunch of financial advisors" but that would be a bit lame. I recommend you ask your own son or daughter so I won't try to do it here.
Ditto for Twitter. Twitter is "micro-blogging" because you're limited to 140 characters per entry. Not words and not letters so you need to be really concise. This paragraph is 203 characters by the way.
LinkedIn.com is like Facebook for business owners and professionals. Unlike Twitter and Facebook, LinkedIn charges a monthly fee to get full functionality.
Should Advisors Care?
Yes and no. You need to stay in touch with your clients and "social networking" sites like Facebook, Twitter, and LinkedIn will be used by more and more of your clients. Over time, your prospective clients will find you on these sites and check you out. And your clients will want to keep in touch with you and what's going on.
Yet don't think you need to spend a lot of time here. You're probably busy enough as it is. Plus your compliance department might give you a big thumbs down. So should you do anything?
Yes. I strongly recommend that you grab your profile names NOW so you'll have them later.
Think back to that modern marketing miracle: the 800 number. Customers could call companies without making a long distance phone call or calling collect. Whole advertising campaigns promoted vanity 800 numbers like 1-800-FLOWERS. Imagine snagging 1-800-PLANNER back in 1964 when AT&T created the idea...it would have cost you a fortune if you could have gotten it. Not to mention you were 6 years old at the time.
Thankfully you can reserve your profile names now and use them more later. Here are my profile pages:
Facebook: http://www.facebook.com/richardemmons
Twitter: http://www.twitter.com/richardemmons
LinkedIn: http://www.linkedin.com/in/richardemmons
MySpace: http://www.myspace.com/richardemmons
I use Facebook the most out of these 4. Yet I just checked and discovered 28 people wished me "Happy Birthday!" a couple weeks ago. And I never commented back. I guess I had too much face time with family and friends to make time for Facebook. Oh well.
You'll notice that I automatically "tweet" my posts on this site to Twitter. Occasionally I'll toss in a quote or a status update.
I do a little bit with LinkedIn and am open to suggestions on how to use it. I joined several LinkedIn Groups related to estate planning and senior advisor marketing so I get some good articles. And a lot of fluff updates in my in-box.
I threw in MySpace as an example of reserving it and not using it. MySpace was passed up a long time ago by Facebook and will probably never recover. You never know and it cost me nothing to set up and nothing to maintain.
My recommendation is to click through and sign up for these services now. Get the best profile name you can get. If your name is taken, you can add "cfp" to your profile, put in an under_score or a period between your first and last names.
Future articles will explain how to use these profiles to help grow your business. For now just stake your claim and get your name!
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Should Financial Advisors Use Facebook and Twitter?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Should Financial Advisors Use Facebook and Twitter?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page. What should financial advisors do now in this area?
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Facebook.com just surpassed Google.com for traffic. Amazingly, 7.07% of all US web traffic goes to Facebook.com which is a bit more than the 7.03% which goes to Google's home page. What should financial advisors do now in this area?
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 603-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 603-revision-5
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-03-17 20:24:16
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: 2010-03-17 20:24:16
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[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/603-revision-5/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: “Half my advertising is wasted, but I don’t know which half.” ~ John Wanamaker, 19th century retailer
~ John Wanamaker, 19th century retailer
~ John Wanamaker, 19th century retailer.
You’ll find improving your advertising to be one of the best ways to leverage your marketing dollars. Why? Because an ad costs the same whether it brings in 1 call per day or 10 calls per day. So improve your ads and you’ll get more calls and spend the same (or even less) on your advertising.
Let’s start by defining the two major categories of advertising: General (or image) advertising and direct response advertising.
Copywriter Bob Bly defines general or image adveritising as "advertising that seeks to instill a preference for the product in the consumer's mind to prmote the future sale of the product at a retail outlet or through a distributor or agent." Image advertising is seen every day in TV commercials for consumer products and magazines such as Forbes and Fortune for institutional advertising. Some famous image advertising campaigns included:
"Merrill Lynch is bullish on America." This was introduced during the 1971 World Series.
"When E. F. Hutton talks, people listen."
~ John Wanamaker, 19th century retailer.
You’ll find improving your advertising to be one of the best ways to leverage your marketing dollars. Why? Because an ad costs the same whether it brings in 1 call per day or 10 calls per day. So improve your ads and you’ll get more calls and spend the same (or even less) on your advertising.
Let’s start by defining the two major categories of advertising: General (or image) advertising and direct response advertising.
Copywriter Bob Bly defines general or image adveritising as "advertising that seeks to instill a preference for the product in the consumer's mind to prmote the future sale of the product at a retail outlet or through a distributor or agent." Image advertising is seen every day in TV commercials for consumer products and magazines such as Forbes and Fortune for institutional advertising. Some famous image advertising campaigns included:
"Merrill Lynch is bullish on America." This was introduced during the 1971 World Series.
"When E. F. Hutton talks, people listen."
~ John Wanamaker, 19th century retailer.
You’ll find improving your advertising to be one of the best ways to leverage your marketing dollars. Why? Because an ad costs the same whether it brings in 1 call per day or 10 calls per day. So improve your ads and you’ll get more calls and spend the same (or even less) on your advertising.
Let’s start by defining the two major categories of advertising: General (or image) advertising and direct response advertising.
Copywriter Bob Bly defines general or image adveritising as "advertising that seeks to instill a preference for the product in the consumer's mind to prmote the future sale of the product at a retail outlet or through a distributor or agent." Image advertising is seen every day in TV commercials for consumer products and magazines such as Forbes and Fortune for institutional advertising. Some famous image advertising campaigns included:
"Merrill Lynch is bullish on America." This was introduced during the 1971 World Series.
"When E. F. Hutton talks, people listen." Very memorable ad...but would it make you call a broker and invest some money?
~ John Wanamaker, 19th century retailer.
You’ll find improving your advertising to be one of the best ways to leverage your marketing dollars. Why? Because an ad costs the same whether it brings in 1 call per day or 10 calls per day. So improve your ads and you’ll get more calls and spend the same (or even less) on your advertising.
Let’s start by defining the two major categories of advertising: General (or image) advertising and direct response advertising.
Copywriter Bob Bly defines general or image adveritising as "advertising that seeks to instill a preference for the product in the consumer's mind to prmote the future sale of the product at a retail outlet or through a distributor or agent." Image advertising is seen every day in TV commercials for consumer products and magazines such as Forbes and Fortune for institutional advertising. Some famous image advertising campaigns included:
"Merrill Lynch is bullish on America." This was introduced during the 1971 World Series.
"When E. F. Hutton talks, people listen." Very memorable ad...but would it make you call a broker and invest some money?
~ John Wanamaker, 19th century retailer.
~ John Wanamaker, 19th century retailer.
~ John Wanamaker, 19th century retailer.
~ John Wanamaker, 19th century retailer.
~ John Wanamaker, 19th century retailer.
~ John Wanamaker, 19th century retailer.
~ John Wanamaker, 19th century retailer
~ John Wanamaker, 19th century retailer
Attention
You get your reader’s attention with a powerful headline. This is the key.
Ted Nicholas became famous selling his best selling book, How To Form Your Own Corporation Without An Attorney For Under $50 . He spent hundreds of millions of dollars promoting this and other books in full-page magazine ads. He says that “73% of the buying decision is made at the point of the headline.”
Without a powerful and persuasive headline, your ad copy won’t be read. Your offer won’t be considered. You’ll waste your money.
So what should a good headline do? In Bob Bly’s The Copywriter’s Handbook , he describes the four functions of a headline:
Get attention. This gets the reader to read more of the ad.
Select the audience. Who do you want to attract? Who would you rather not attract?
Deliver a complete message. David Ogilvy, author of Confessions of an Advertising Man, says that 80% of readers will only read the headline. Headlines like “Merrill Lynch Is Bullish On America” at least let the reader know the name of the company.
Draw the reader into the body copy. The promise of solutions to current or potential problems gets the reader to continue reading more of the ad.
Let’s consider these four functions as we look at a few headlines.
“How To Win Friends and Influence People”
Dale Carnegie wrote this best-selling book during the 1930‘s. The book’s title served as the headline for ads selling the book. This headline grabs the reader’s attention and builds curiosity because who doesn’t want more friends? So this headline/title does #1 and #4. In a way, it selects the audience (#2) because everyone wants more friends.
“Did Your 401(k) Become a 201(k)?”
This headline grabbed attention (#1) by dramatizing a 50% fall in the stock market. It selected the audience (#2) by assuming the reader had a 401(k). It pulls the reader into the copy (#4) because it implies a solution to the problem of a falling retirement portfolio. While powerful, it missed on #2 by not offering a solution to the problem. I suppose “Turn Your 201(k) Into a 301(k) With Chinese Growth Stocks” would fulfill #3 but only testing would show if it was as effective.
“Worried About Outliving Your Retirement Funds?”
This headline grabs attention (#1) by pointing the pain of running out of money during retirement. It selects the audience (#2) advisors want to reach because pre-retirees and retirees worry about this; 25 year-olds don’t give it a thought. It can’t deliver a complete message because the problem will differ greatly from person to person. Yet it raises a real concern during times of rising prices and low interest rates and draws the reader into the rest of the ad (#4).
The most common mistake in advertising is using the firm name at the top of the ad as the headline. Look at all the financial advisor ads in the yellow pages. How many do this? Most. Use a powerful and compelling headline and you'll have much more effective ads. Why? Because your prospects will read on....
Interest
Next, you need to build interest in the reader for your service or product. Keep the reader interested by providing more facts which show in words or imagery you can deliver on the promise made in the headline. Pile on multiple benefits that will improve their lives.
Validate your claims by offering proof you can deliver on your promises. This proof can include references to your education, certifications, and years in business. Perhaps you’re a radio show host or have written articles in your local paper or other major publications.
Sadly, most financial advisors cannot include client lists or testimonials in any advertising. This precludes some of the most important proof that you can deliver on what you’re promising. Take comfort that your competitors can’t include client testimonials either.
Desire
You build up desire by helping them imagine how they'll feel after reading your report, attending your community seminar, or having their tax return analyzed. They want peace of mind and the knowledge that they are on track to a happy retirement. Or that they'll minimize their estate taxes. Or have more time to travel the world or spend time with their grandchildren.
Your business owner clients can offer strong guarantees. You can’t make any promissory guarantees. In some cases you can make a quasi-guarantee: “Guaranteed to make you think!” You can also build desire by offering additional free bonuses.
And how do they fulfill their desires? By accepting your offer....
Action
Finally, you need to close the deal and get the reader to act now and accept your offer. Obviously, you can’t offer “20% Off Apple Stock while supplies last!” You want them to take an action which will get them one step closer to sitting in your office for a first appointment.
Your offer will differ depending on the ad placement. Yellow pages ads run all year long so the offer might be for a free report on “The 7 Most Common Retirement Planning Mistakes and How To Avoid Them.” An advertisement for a no obligation tax planning analysis would work during tax season. Yet an ad for a free community seminar will only work a week prior to the event.
In a previous article, I wrote about giving away free information . Just remember that you need to offer your prospect something of value so they’ll contact you.
Your offer ends with a call to action. “Call our office today to receive your free report.” Or “Visit our website for free retirement planning calculators and dozens of free reports.” Or “Seating is limited so please call 1-800-111-2222 to reserve your seat.”
At the bottom of your ad you can include your firm name, address and contact information. Make it easy to read so they can take action and get a hold of you.
In my next article I’ll look show you some more ways to create effective headlines.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Attention
You get your reader’s attention with a powerful headline. This is the key.
Ted Nicholas became famous selling his best selling book, How To Form Your Own Corporation Without An Attorney For Under $50 . He spent hundreds of millions of dollars promoting this and other books in full-page magazine ads. He says that “73% of the buying decision is made at the point of the headline.”
Without a powerful and persuasive headline, your ad copy won’t be read. Your offer won’t be considered. You’ll waste your money.
So what should a good headline do? In Bob Bly’s The Copywriter’s Handbook , he describes the four functions of a headline:
Get attention. This gets the reader to read more of the ad.
Select the audience. Who do you want to attract? Who would you rather not attract?
Deliver a complete message. David Ogilvy, author of Confessions of an Advertising Man, says that 80% of readers will only read the headline. Headlines like “Merrill Lynch Is Bullish On America” at least let the reader know the name of the company.
Draw the reader into the body copy. The promise of solutions to current or potential problems gets the reader to continue reading more of the ad.
Let’s consider these four functions as we look at a few headlines.
“How To Win Friends and Influence People”
Dale Carnegie wrote this best-selling book during the 1930‘s. The book’s title served as the headline for ads selling the book. This headline grabs the reader’s attention and builds curiosity because who doesn’t want more friends? So this headline/title does #1 and #4. In a way, it selects the audience (#2) because everyone wants more friends.
“Did Your 401(k) Become a 201(k)?”
This headline grabbed attention (#1) by dramatizing a 50% fall in the stock market. It selected the audience (#2) by assuming the reader had a 401(k). It pulls the reader into the copy (#4) because it implies a solution to the problem of a falling retirement portfolio. While powerful, it missed on #2 by not offering a solution to the problem. I suppose “Turn Your 201(k) Into a 301(k) With Chinese Growth Stocks” would fulfill #3 but only testing would show if it was as effective.
“Worried About Outliving Your Retirement Funds?”
This headline grabs attention (#1) by pointing the pain of running out of money during retirement. It selects the audience (#2) advisors want to reach because pre-retirees and retirees worry about this; 25 year-olds don’t give it a thought. It can’t deliver a complete message because the problem will differ greatly from person to person. Yet it raises a real concern during times of rising prices and low interest rates and draws the reader into the rest of the ad (#4).
The most common mistake in advertising is using the firm name at the top of the ad as the headline. Look at all the financial advisor ads in the yellow pages. How many do this? Most. Use a powerful and compelling headline and you'll have much more effective ads. Why? Because your prospects will read on....
Interest
Next, you need to build interest in the reader for your service or product. Keep the reader interested by providing more facts which show in words or imagery you can deliver on the promise made in the headline. Pile on multiple benefits that will improve their lives.
Validate your claims by offering proof you can deliver on your promises. This proof can include references to your education, certifications, and years in business. Perhaps you’re a radio show host or have written articles in your local paper or other major publications.
Sadly, most financial advisors cannot include client lists or testimonials in any advertising. This precludes some of the most important proof that you can deliver on what you’re promising. Take comfort that your competitors can’t include client testimonials either.
Desire
You build up desire by helping them imagine how they'll feel after reading your report, attending your community seminar, or having their tax return analyzed. They want peace of mind and the knowledge that they are on track to a happy retirement. Or that they'll minimize their estate taxes. Or have more time to travel the world or spend time with their grandchildren.
Your business owner clients can offer strong guarantees. You can’t make any promissory guarantees. In some cases you can make a quasi-guarantee: “Guaranteed to make you think!” You can also build desire by offering additional free bonuses.
And how do they fulfill their desires? By accepting your offer....
Action
Finally, you need to close the deal and get the reader to act now and accept your offer. Obviously, you can’t offer “20% Off Apple Stock while supplies last!” You want them to take an action which will get them one step closer to sitting in your office for a first appointment.
Your offer will differ depending on the ad placement. Yellow pages ads run all year long so the offer might be for a free report on “The 7 Most Common Retirement Planning Mistakes and How To Avoid Them.” An advertisement for a no obligation tax planning analysis would work during tax season. Yet an ad for a free community seminar will only work a week prior to the event.
In a previous article, I wrote about giving away free information . Just remember that you need to offer your prospect something of value so they’ll contact you.
Your offer ends with a call to action. “Call our office today to receive your free report.” Or “Visit our website for free retirement planning calculators and dozens of free reports.” Or “Seating is limited so please call 1-800-111-2222 to reserve your seat.”
At the bottom of your ad you can include your firm name, address and contact information. Make it easy to read so they can take action and get a hold of you.
In my next article I’ll look show you some more ways to create effective headlines.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: How To Write an Effective Advertisement
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: How To Write an Effective Advertisement
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: Over the years, successful writers have developed copywriting formulas which produce effective ads, TV commercials, and sales letters. I first learned about the “AIDA” formula in 1989 from marketing expert, Jay Abraham. You begin the process of creating an effective ad by thinking of one of your best clients, a wealthy widow by the name of Sally Jones....
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: Over the years, successful writers have developed copywriting formulas which produce effective ads, TV commercials, and sales letters. I first learned about the “AIDA” formula in 1989 from marketing expert, Jay Abraham. You begin the process of creating an effective ad by thinking of one of your best clients, a wealthy widow by the name of Sally Jones....
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: write-effective-advertisement
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=668
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/?p=668
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: 2010-04-11 06:22:41
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You begin the process of creating an effective ad by thinking of one of your best clients, a wealthy widow by the name of Sally Jones. You write the ad for Sally so your ad will speak to Sally and people like her.
You absolutely do not want to design the ad to please yourself. As author Jerry Reitman wrote, “Bait the hook to suit the fish, not the fisherman.” One of you is enough! You want more Sally’s so your ad should speak to Sally and get people like Sally to take action.
Over the years, successful writers have developed copywriting formulas which produce effective ads, TV commercials, and sales letters. I first learned about the “AIDA” formula in 1989 from marketing expert, Jay Abraham.
AIDA stands for attention, interest, desire and action. Your ad must get the buyers’ attention, build interest in your product or service, create desire to own that product or service, and finally ask the viewer or reader to take action to get that product or service.
You get your reader’s attention with a powerful headline. This is the key.
Ted Nicholas became famous selling his best selling book, How To Form Your Own Corporation Without An Attorney For Under $50. He spent hundreds of millions of dollars promoting this and other books in full-page magazine ads. He says that “73% of the buying decision is made at the point of the headline.”
Without a powerful and persuasive headline, your ad copy won’t be read. Your offer won’t be considered. You’ll waste your money.
So what should a good headline do? In Bob Bly’s The Copywriter’s Handbook, he describes the four functions of a headline:
Get attention. This gets the reader to read more of the ad.
Select the audience. Who do you want to attract? Who do you want to repel?
Deliver a complete message. David Ogilvy, author of Confessions of an Advertising Man, says that 80% of readers will only read the headline. Headlines like “Merrill Lynch Is Bullish On America” at least let the reader know the name of the company.
Draw the reader into the body copy. The promise of solutions to current or potential problems gets the reader to continue reading more of the ad.
Let’s consider these four functions as we look at a few headlines.
“How To Win Friends and Influence People”
Dale Carnegie wrote this best-selling book during the 1930‘s. The book’s title served as the headline for ads selling the book. This headline grabs the reader’s attention and builds curiosity because who doesn’t want more friends? So this headline/title does #1 and #4. In a way, it selects the audience (#2) because everyone wants more friends.
“Did Your 401(k) Become a 201(k)?”
This headline grabbed attention (#1) by dramatizing a 50% fall in the stock market. It selected the audience (#2) by assuming the reader had a 401(k). It pulls the reader into the copy (#4) because it implies a solution to the problem of a falling retirement portfolio. While powerful, it missed on #2 by not offering a solution to the problem. I suppose “Turn Your 201(k) Into a 301(k) With Chinese Growth Stocks” would fulfill #3 but only testing would show if it was as effective.
“Worried About Outliving Your Retirement Funds?”
This headline grabs attention (#1) by pointing the pain of running out of money during retirement. It selects the audience (#2) advisors want to reach because pre-retirees and retirees worry about this; 25 year-olds don’t give it a thought. It can’t deliver a complete message because the problem will differ greatly from person to person. Yet it raises a real concern during times of rising prices and low interest rates and draws the reader into the rest of the ad (#4).
The most common mistake in advertising is using the firm name at the top of the ad as the headline. Look at all the financial advisor ads in the yellow pages. How many do this? Most. Now you know you can do better and have a much more effective ad.
Next, you need to build interest in the reader for your service or product. Keep the reader interested by providing more facts which show in words or imagery you can deliver on the promise made in the headline. You validate your claims by offering proof you can deliver on your promises. This proof can include references to your education, certifications, and years in business. Perhaps you’re a radio show host or have written articles in your local paper or other major publications. Sadly, most financial advisors cannot include client lists or testimonials in any advertising. This precludes some of the most important proof that you can deliver on what you’re promising. Take comfort that your competitors can’t include client testimonials either.
Finally, you need to close the deal and get the reader to act now and accept your offer. Obviously, you can’t offer “20% Off Apple Stock while supplies last!” You want them to take an action which will get them one step closer to sitting in your office for a first appointment.
Your offer will differ depending on the ad placement. Yellow pages ads run all year long so the offer might be for a free report on “The 7 Most Common Retirement Planning Mistakes and How To Avoid Them.” An advertisement for a no obligation tax planning analysis would work during tax season. Yet an ad for a free community seminar will only work a week prior to the event.
I’ll write more about free offers in the next section. Just remember that you need to offer your prospect something of value so they’ll contact you.
Your clients can offer strong guarantees. You can’t make any promissory guarantees. You can make a quasi-guarantee: “Guaranteed to make you think!”
Your offer ends with a call to action. “Call our office today to receive your free report.” Or “Visit our website for free retirement planning calculators and dozens of free reports.” Or “Seating is limited so please call 1-800-111-2222 to reserve your seat.”
At the bottom of your ad you can include your firm name, address and contact information. Make it easy to read so they can take action and get a hold of you.
In my next article we’ll look some more at how to create effective headlines.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You begin the process of creating an effective ad by thinking of one of your best clients, a wealthy widow by the name of Sally Jones. You write the ad for Sally so your ad will speak to Sally and people like her.
You absolutely do not want to design the ad to please yourself. As author Jerry Reitman wrote, “Bait the hook to suit the fish, not the fisherman.” One of you is enough! You want more Sally’s so your ad should speak to Sally and get people like Sally to take action.
Over the years, successful writers have developed copywriting formulas which produce effective ads, TV commercials, and sales letters. I first learned about the “AIDA” formula in 1989 from marketing expert, Jay Abraham.
AIDA stands for attention, interest, desire and action. Your ad must get the buyers’ attention, build interest in your product or service, create desire to own that product or service, and finally ask the viewer or reader to take action to get that product or service.
You get your reader’s attention with a powerful headline. This is the key.
Ted Nicholas became famous selling his best selling book, How To Form Your Own Corporation Without An Attorney For Under $50. He spent hundreds of millions of dollars promoting this and other books in full-page magazine ads. He says that “73% of the buying decision is made at the point of the headline.”
Without a powerful and persuasive headline, your ad copy won’t be read. Your offer won’t be considered. You’ll waste your money.
So what should a good headline do? In Bob Bly’s The Copywriter’s Handbook, he describes the four functions of a headline:
Get attention. This gets the reader to read more of the ad.
Select the audience. Who do you want to attract? Who do you want to repel?
Deliver a complete message. David Ogilvy, author of Confessions of an Advertising Man, says that 80% of readers will only read the headline. Headlines like “Merrill Lynch Is Bullish On America” at least let the reader know the name of the company.
Draw the reader into the body copy. The promise of solutions to current or potential problems gets the reader to continue reading more of the ad.
Let’s consider these four functions as we look at a few headlines.
“How To Win Friends and Influence People”
Dale Carnegie wrote this best-selling book during the 1930‘s. The book’s title served as the headline for ads selling the book. This headline grabs the reader’s attention and builds curiosity because who doesn’t want more friends? So this headline/title does #1 and #4. In a way, it selects the audience (#2) because everyone wants more friends.
“Did Your 401(k) Become a 201(k)?”
This headline grabbed attention (#1) by dramatizing a 50% fall in the stock market. It selected the audience (#2) by assuming the reader had a 401(k). It pulls the reader into the copy (#4) because it implies a solution to the problem of a falling retirement portfolio. While powerful, it missed on #2 by not offering a solution to the problem. I suppose “Turn Your 201(k) Into a 301(k) With Chinese Growth Stocks” would fulfill #3 but only testing would show if it was as effective.
“Worried About Outliving Your Retirement Funds?”
This headline grabs attention (#1) by pointing the pain of running out of money during retirement. It selects the audience (#2) advisors want to reach because pre-retirees and retirees worry about this; 25 year-olds don’t give it a thought. It can’t deliver a complete message because the problem will differ greatly from person to person. Yet it raises a real concern during times of rising prices and low interest rates and draws the reader into the rest of the ad (#4).
The most common mistake in advertising is using the firm name at the top of the ad as the headline. Look at all the financial advisor ads in the yellow pages. How many do this? Most. Now you know you can do better and have a much more effective ad.
Next, you need to build interest in the reader for your service or product. Keep the reader interested by providing more facts which show in words or imagery you can deliver on the promise made in the headline. You validate your claims by offering proof you can deliver on your promises. This proof can include references to your education, certifications, and years in business. Perhaps you’re a radio show host or have written articles in your local paper or other major publications. Sadly, most financial advisors cannot include client lists or testimonials in any advertising. This precludes some of the most important proof that you can deliver on what you’re promising. Take comfort that your competitors can’t include client testimonials either.
Finally, you need to close the deal and get the reader to act now and accept your offer. Obviously, you can’t offer “20% Off Apple Stock while supplies last!” You want them to take an action which will get them one step closer to sitting in your office for a first appointment.
Your offer will differ depending on the ad placement. Yellow pages ads run all year long so the offer might be for a free report on “The 7 Most Common Retirement Planning Mistakes and How To Avoid Them.” An advertisement for a no obligation tax planning analysis would work during tax season. Yet an ad for a free community seminar will only work a week prior to the event.
I’ll write more about free offers in the next section. Just remember that you need to offer your prospect something of value so they’ll contact you.
Your clients can offer strong guarantees. You can’t make any promissory guarantees. You can make a quasi-guarantee: “Guaranteed to make you think!”
Your offer ends with a call to action. “Call our office today to receive your free report.” Or “Visit our website for free retirement planning calculators and dozens of free reports.” Or “Seating is limited so please call 1-800-111-2222 to reserve your seat.”
At the bottom of your ad you can include your firm name, address and contact information. Make it easy to read so they can take action and get a hold of you.
In my next article we’ll look some more at how to create effective headlines.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: How To Write an Effective Advertisement
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: How To Write an Effective Advertisement
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/668-revision/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/668-revision/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: You begin the process of creating an effective ad by thinking of one of your best clients, a wealthy widow by the name of Sally Jones. You write the ad for Sally so your ad will speak to Sally and people like her.
You absolutely do not want to design the ad to please yourself. As author Jerry Reitman wrote, “Bait the hook to suit the fish, not the fisherman.” One of you is enough! You want more Sally’s so your ad should speak to Sally and get people like Sally to take action.
Over the years, successful writers have developed copywriting formulas which produce effective ads, TV commercials, and sales letters. I first learned about the “AIDA” formula in 1989 from marketing expert, Jay Abraham.
AIDA stands for attention, interest, desire and action. Your ad must get the buyers’ attention, build interest in your product or service, create desire to own that product or service, and finally ask the viewer or reader to take action to get that product or service.
You get your reader’s attention with a powerful headline. This is the key.
Ted Nicholas became famous selling his best selling book, How To Form Your Own Corporation Without An Attorney For Under $50. He spent hundreds of millions of dollars promoting this and other books in full-page magazine ads. He says that “73% of the buying decision is made at the point of the headline.”
Without a powerful and persuasive headline, your ad copy won’t be read. Your offer won’t be considered. You’ll waste your money.
So what should a good headline do? In Bob Bly’s The Copywriter’s Handbook, he describes the four functions of a headline:
Get attention. This gets the reader to read more of the ad.
Select the audience. Who do you want to attract? Who do you want to repel?
Deliver a complete message. David Ogilvy, author of Confessions of an Advertising Man, says that 80% of readers will only read the headline. Headlines like “Merrill Lynch Is Bullish On America” at least let the reader know the name of the company.
Draw the reader into the body copy. The promise of solutions to current or potential problems gets the reader to continue reading more of the ad.
Let’s consider these four functions as we look at a few headlines.
“How To Win Friends and Influence People”
Dale Carnegie wrote this best-selling book during the 1930‘s. The book’s title served as the headline for ads selling the book. This headline grabs the reader’s attention and builds curiosity because who doesn’t want more friends? So this headline/title does #1 and #4. In a way, it selects the audience (#2) because everyone wants more friends.
“Did Your 401(k) Become a 201(k)?”
This headline grabbed attention (#1) by dramatizing a 50% fall in the stock market. It selected the audience (#2) by assuming the reader had a 401(k). It pulls the reader into the copy (#4) because it implies a solution to the problem of a falling retirement portfolio. While powerful, it missed on #2 by not offering a solution to the problem. I suppose “Turn Your 201(k) Into a 301(k) With Chinese Growth Stocks” would fulfill #3 but only testing would show if it was as effective.
“Worried About Outliving Your Retirement Funds?”
This headline grabs attention (#1) by pointing the pain of running out of money during retirement. It selects the audience (#2) advisors want to reach because pre-retirees and retirees worry about this; 25 year-olds don’t give it a thought. It can’t deliver a complete message because the problem will differ greatly from person to person. Yet it raises a real concern during times of rising prices and low interest rates and draws the reader into the rest of the ad (#4).
The most common mistake in advertising is using the firm name at the top of the ad as the headline. Look at all the financial advisor ads in the yellow pages. How many do this? Most. Now you know you can do better and have a much more effective ad.
Next, you need to build interest in the reader for your service or product. Keep the reader interested by providing more facts which show in words or imagery you can deliver on the promise made in the headline. You validate your claims by offering proof you can deliver on your promises. This proof can include references to your education, certifications, and years in business. Perhaps you’re a radio show host or have written articles in your local paper or other major publications. Sadly, most financial advisors cannot include client lists or testimonials in any advertising. This precludes some of the most important proof that you can deliver on what you’re promising. Take comfort that your competitors can’t include client testimonials either.
Finally, you need to close the deal and get the reader to act now and accept your offer. Obviously, you can’t offer “20% Off Apple Stock while supplies last!” You want them to take an action which will get them one step closer to sitting in your office for a first appointment.
Your offer will differ depending on the ad placement. Yellow pages ads run all year long so the offer might be for a free report on “The 7 Most Common Retirement Planning Mistakes and How To Avoid Them.” An advertisement for a no obligation tax planning analysis would work during tax season. Yet an ad for a free community seminar will only work a week prior to the event.
I’ll write more about free offers in the next section. Just remember that you need to offer your prospect something of value so they’ll contact you.
Your clients can offer strong guarantees. You can’t make any promissory guarantees. You can make a quasi-guarantee: “Guaranteed to make you think!”
Your offer ends with a call to action. “Call our office today to receive your free report.” Or “Visit our website for free retirement planning calculators and dozens of free reports.” Or “Seating is limited so please call 1-800-111-2222 to reserve your seat.”
At the bottom of your ad you can include your firm name, address and contact information. Make it easy to read so they can take action and get a hold of you.
In my next article I’ll look show you some more ways to create effective headlines.
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: You begin the process of creating an effective ad by thinking of one of your best clients, a wealthy widow by the name of Sally Jones. You write the ad for Sally so your ad will speak to Sally and people like her.
You absolutely do not want to design the ad to please yourself. As author Jerry Reitman wrote, “Bait the hook to suit the fish, not the fisherman.” One of you is enough! You want more Sally’s so your ad should speak to Sally and get people like Sally to take action.
Over the years, successful writers have developed copywriting formulas which produce effective ads, TV commercials, and sales letters. I first learned about the “AIDA” formula in 1989 from marketing expert, Jay Abraham.
AIDA stands for attention, interest, desire and action. Your ad must get the buyers’ attention, build interest in your product or service, create desire to own that product or service, and finally ask the viewer or reader to take action to get that product or service.
You get your reader’s attention with a powerful headline. This is the key.
Ted Nicholas became famous selling his best selling book, How To Form Your Own Corporation Without An Attorney For Under $50. He spent hundreds of millions of dollars promoting this and other books in full-page magazine ads. He says that “73% of the buying decision is made at the point of the headline.”
Without a powerful and persuasive headline, your ad copy won’t be read. Your offer won’t be considered. You’ll waste your money.
So what should a good headline do? In Bob Bly’s The Copywriter’s Handbook, he describes the four functions of a headline:
Get attention. This gets the reader to read more of the ad.
Select the audience. Who do you want to attract? Who do you want to repel?
Deliver a complete message. David Ogilvy, author of Confessions of an Advertising Man, says that 80% of readers will only read the headline. Headlines like “Merrill Lynch Is Bullish On America” at least let the reader know the name of the company.
Draw the reader into the body copy. The promise of solutions to current or potential problems gets the reader to continue reading more of the ad.
Let’s consider these four functions as we look at a few headlines.
“How To Win Friends and Influence People”
Dale Carnegie wrote this best-selling book during the 1930‘s. The book’s title served as the headline for ads selling the book. This headline grabs the reader’s attention and builds curiosity because who doesn’t want more friends? So this headline/title does #1 and #4. In a way, it selects the audience (#2) because everyone wants more friends.
“Did Your 401(k) Become a 201(k)?”
This headline grabbed attention (#1) by dramatizing a 50% fall in the stock market. It selected the audience (#2) by assuming the reader had a 401(k). It pulls the reader into the copy (#4) because it implies a solution to the problem of a falling retirement portfolio. While powerful, it missed on #2 by not offering a solution to the problem. I suppose “Turn Your 201(k) Into a 301(k) With Chinese Growth Stocks” would fulfill #3 but only testing would show if it was as effective.
“Worried About Outliving Your Retirement Funds?”
This headline grabs attention (#1) by pointing the pain of running out of money during retirement. It selects the audience (#2) advisors want to reach because pre-retirees and retirees worry about this; 25 year-olds don’t give it a thought. It can’t deliver a complete message because the problem will differ greatly from person to person. Yet it raises a real concern during times of rising prices and low interest rates and draws the reader into the rest of the ad (#4).
The most common mistake in advertising is using the firm name at the top of the ad as the headline. Look at all the financial advisor ads in the yellow pages. How many do this? Most. Now you know you can do better and have a much more effective ad.
Next, you need to build interest in the reader for your service or product. Keep the reader interested by providing more facts which show in words or imagery you can deliver on the promise made in the headline. You validate your claims by offering proof you can deliver on your promises. This proof can include references to your education, certifications, and years in business. Perhaps you’re a radio show host or have written articles in your local paper or other major publications. Sadly, most financial advisors cannot include client lists or testimonials in any advertising. This precludes some of the most important proof that you can deliver on what you’re promising. Take comfort that your competitors can’t include client testimonials either.
Finally, you need to close the deal and get the reader to act now and accept your offer. Obviously, you can’t offer “20% Off Apple Stock while supplies last!” You want them to take an action which will get them one step closer to sitting in your office for a first appointment.
Your offer will differ depending on the ad placement. Yellow pages ads run all year long so the offer might be for a free report on “The 7 Most Common Retirement Planning Mistakes and How To Avoid Them.” An advertisement for a no obligation tax planning analysis would work during tax season. Yet an ad for a free community seminar will only work a week prior to the event.
I’ll write more about free offers in the next section. Just remember that you need to offer your prospect something of value so they’ll contact you.
Your clients can offer strong guarantees. You can’t make any promissory guarantees. You can make a quasi-guarantee: “Guaranteed to make you think!”
Your offer ends with a call to action. “Call our office today to receive your free report.” Or “Visit our website for free retirement planning calculators and dozens of free reports.” Or “Seating is limited so please call 1-800-111-2222 to reserve your seat.”
At the bottom of your ad you can include your firm name, address and contact information. Make it easy to read so they can take action and get a hold of you.
In my next article I’ll look show you some more ways to create effective headlines.
[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: How To Write an Effective Advertisement
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: How To Write an Effective Advertisement
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/668-revision-2/
[Aug 5, 2013, 7:05PM-all] Not serialized EDITED data: http://richardemmons.com/668-revision-2/
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[Aug 5, 2013, 7:05PM-all] Not serialized ORIGINAL data: How to Win Friends
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You begin the process of creating an effective ad by thinking of one of your best clients, a wealthy widow by the name of Sally Jones. You write the ad for Sally so your ad will speak to Sally and people like her.
You absolutely do not want to design the ad to please yourself. As author Jerry Reitman wrote, “Bait the hook to suit the fish, not the fisherman.” One of you is enough! You want more Sally’s so your ad should speak to Sally and get people like Sally to take action.
Over the years, successful writers have developed copywriting formulas which produce effective ads, TV commercials, and sales letters. I first learned about the “AIDA” formula in 1989 from marketing expert, Jay Abraham.
AIDA stands for attention, interest, desire and action. Your ad must get the buyers’ attention, build interest in your product or service, create desire to own that product or service, and finally ask the viewer or reader to take action to get that product or service.
Attention
You get your reader’s attention with a powerful headline. This is the key.
Ted Nicholas became famous selling his best selling book, How To Form Your Own Corporation Without An Attorney For Under $50 . He spent hundreds of millions of dollars promoting this and other books in full-page magazine ads. He says that “73% of the buying decision is made at the point of the headline.”
Without a powerful and persuasive headline, your ad copy won’t be read. Your offer won’t be considered. You’ll waste your money.
So what should a good headline do? In Bob Bly’s The Copywriter’s Handbook , he describes the four functions of a headline:
Get attention. This gets the reader to read more of the ad.
Select the audience. Who do you want to attract? Who would you rather not attract?
Deliver a complete message. David Ogilvy, author of Confessions of an Advertising Man, says that 80% of readers will only read the headline. Headlines like “Merrill Lynch Is Bullish On America” at least let the reader know the name of the company.
Draw the reader into the body copy. The promise of solutions to current or potential problems gets the reader to continue reading more of the ad.
Let’s consider these four functions as we look at a few headlines.
“How To Win Friends and Influence People”
Dale Carnegie wrote this best-selling book during the 1930‘s. The book’s title served as the headline for ads selling the book. This headline grabs the reader’s attention and builds curiosity because who doesn’t want more friends? So this headline/title does #1 and #4. In a way, it selects the audience (#2) because everyone wants more friends.
“Did Your 401(k) Become a 201(k)?”
This headline grabbed attention (#1) by dramatizing a 50% fall in the stock market. It selected the audience (#2) by assuming the reader had a 401(k). It pulls the reader into the copy (#4) because it implies a solution to the problem of a falling retirement portfolio. While powerful, it missed on #2 by not offering a solution to the problem. I suppose “Turn Your 201(k) Into a 301(k) With Chinese Growth Stocks” would fulfill #3 but only testing would show if it was as effective.
“Worried About Outliving Your Retirement Funds?”
This headline grabs attention (#1) by pointing the pain of running out of money during retirement. It selects the audience (#2) advisors want to reach because pre-retirees and retirees worry about this; 25 year-olds don’t give it a thought. It can’t deliver a complete message because the problem will differ greatly from person to person. Yet it raises a real concern during times of rising prices and low interest rates and draws the reader into the rest of the ad (#4).
The most common mistake in advertising is using the firm name at the top of the ad as the headline. Look at all the financial advisor ads in the yellow pages. How many do this? Most. Use a powerful and compelling headline and you'll have much more effective ads. Why? Because your prospects will read on....
Interest
Next, you need to build interest in the reader for your service or product. Keep the reader interested by providing more facts which show in words or imagery you can deliver on the promise made in the headline. Pile on multiple benefits that will improve their lives.
Validate your claims by offering proof you can deliver on your promises. This proof can include references to your education, certifications, and years in business. Perhaps you’re a radio show host or have written articles in your local paper or other major publications.
Sadly, most financial advisors cannot include client lists or testimonials in any advertising. This precludes some of the most important proof that you can deliver on what you’re promising. Take comfort that your competitors can’t include client testimonials either.
Desire
You build up desire by helping them imagine how they'll feel after reading your report, attending your community seminar, or having their tax return analyzed. They want peace of mind and the knowledge that they are on track to a happy retirement. Or that they'll minimize their estate taxes. Or have more time to travel the world or spend time with their grandchildren.
Your business owner clients can offer strong guarantees. You can’t make any promissory guarantees. In some cases you can make a quasi-guarantee: “Guaranteed to make you think!” You can also build desire by offering additional free bonuses.
And how do they fulfill their desires? By accepting your offer....
Action
Finally, you need to close the deal and get the reader to act now and accept your offer. Obviously, you can’t offer “20% Off Apple Stock while supplies last!” You want them to take an action which will get them one step closer to sitting in your office for a first appointment.
Your offer will differ depending on the ad placement. Yellow pages ads run all year long so the offer might be for a free report on “The 7 Most Common Retirement Planning Mistakes and How To Avoid Them.” An advertisement for a no obligation tax planning analysis would work during tax season. Yet an ad for a free community seminar will only work a week prior to the event.
In a previous article, I wrote about giving away free information . Just remember that you need to offer your prospect something of value so they’ll contact you.
Your offer ends with a call to action. “Call our office today to receive your free report.” Or “Visit our website for free retirement planning calculators and dozens of free reports.” Or “Seating is limited so please call 1-800-111-2222 to reserve your seat.”
At the bottom of your ad you can include your firm name, address and contact information. Make it easy to read so they can take action and get a hold of you.
In my next article I’ll look show you some more ways to create effective headlines.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You begin the process of creating an effective ad by thinking of one of your best clients, a wealthy widow by the name of Sally Jones. You write the ad for Sally so your ad will speak to Sally and people like her.
You absolutely do not want to design the ad to please yourself. As author Jerry Reitman wrote, “Bait the hook to suit the fish, not the fisherman.” One of you is enough! You want more Sally’s so your ad should speak to Sally and get people like Sally to take action.
Over the years, successful writers have developed copywriting formulas which produce effective ads, TV commercials, and sales letters. I first learned about the “AIDA” formula in 1989 from marketing expert, Jay Abraham.
AIDA stands for attention, interest, desire and action. Your ad must get the buyers’ attention, build interest in your product or service, create desire to own that product or service, and finally ask the viewer or reader to take action to get that product or service.
Attention
You get your reader’s attention with a powerful headline. This is the key.
Ted Nicholas became famous selling his best selling book, How To Form Your Own Corporation Without An Attorney For Under $50 . He spent hundreds of millions of dollars promoting this and other books in full-page magazine ads. He says that “73% of the buying decision is made at the point of the headline.”
Without a powerful and persuasive headline, your ad copy won’t be read. Your offer won’t be considered. You’ll waste your money.
So what should a good headline do? In Bob Bly’s The Copywriter’s Handbook , he describes the four functions of a headline:
Get attention. This gets the reader to read more of the ad.
Select the audience. Who do you want to attract? Who would you rather not attract?
Deliver a complete message. David Ogilvy, author of Confessions of an Advertising Man, says that 80% of readers will only read the headline. Headlines like “Merrill Lynch Is Bullish On America” at least let the reader know the name of the company.
Draw the reader into the body copy. The promise of solutions to current or potential problems gets the reader to continue reading more of the ad.
Let’s consider these four functions as we look at a few headlines.
“How To Win Friends and Influence People”
Dale Carnegie wrote this best-selling book during the 1930‘s. The book’s title served as the headline for ads selling the book. This headline grabs the reader’s attention and builds curiosity because who doesn’t want more friends? So this headline/title does #1 and #4. In a way, it selects the audience (#2) because everyone wants more friends.
“Did Your 401(k) Become a 201(k)?”
This headline grabbed attention (#1) by dramatizing a 50% fall in the stock market. It selected the audience (#2) by assuming the reader had a 401(k). It pulls the reader into the copy (#4) because it implies a solution to the problem of a falling retirement portfolio. While powerful, it missed on #2 by not offering a solution to the problem. I suppose “Turn Your 201(k) Into a 301(k) With Chinese Growth Stocks” would fulfill #3 but only testing would show if it was as effective.
“Worried About Outliving Your Retirement Funds?”
This headline grabs attention (#1) by pointing the pain of running out of money during retirement. It selects the audience (#2) advisors want to reach because pre-retirees and retirees worry about this; 25 year-olds don’t give it a thought. It can’t deliver a complete message because the problem will differ greatly from person to person. Yet it raises a real concern during times of rising prices and low interest rates and draws the reader into the rest of the ad (#4).
The most common mistake in advertising is using the firm name at the top of the ad as the headline. Look at all the financial advisor ads in the yellow pages. How many do this? Most. Use a powerful and compelling headline and you'll have much more effective ads. Why? Because your prospects will read on....
Interest
Next, you need to build interest in the reader for your service or product. Keep the reader interested by providing more facts which show in words or imagery you can deliver on the promise made in the headline. Pile on multiple benefits that will improve their lives.
Validate your claims by offering proof you can deliver on your promises. This proof can include references to your education, certifications, and years in business. Perhaps you’re a radio show host or have written articles in your local paper or other major publications.
Sadly, most financial advisors cannot include client lists or testimonials in any advertising. This precludes some of the most important proof that you can deliver on what you’re promising. Take comfort that your competitors can’t include client testimonials either.
Desire
You build up desire by helping them imagine how they'll feel after reading your report, attending your community seminar, or having their tax return analyzed. They want peace of mind and the knowledge that they are on track to a happy retirement. Or that they'll minimize their estate taxes. Or have more time to travel the world or spend time with their grandchildren.
Your business owner clients can offer strong guarantees. You can’t make any promissory guarantees. In some cases you can make a quasi-guarantee: “Guaranteed to make you think!” You can also build desire by offering additional free bonuses.
And how do they fulfill their desires? By accepting your offer....
Action
Finally, you need to close the deal and get the reader to act now and accept your offer. Obviously, you can’t offer “20% Off Apple Stock while supplies last!” You want them to take an action which will get them one step closer to sitting in your office for a first appointment.
Your offer will differ depending on the ad placement. Yellow pages ads run all year long so the offer might be for a free report on “The 7 Most Common Retirement Planning Mistakes and How To Avoid Them.” An advertisement for a no obligation tax planning analysis would work during tax season. Yet an ad for a free community seminar will only work a week prior to the event.
In a previous article, I wrote about giving away free information . Just remember that you need to offer your prospect something of value so they’ll contact you.
Your offer ends with a call to action. “Call our office today to receive your free report.” Or “Visit our website for free retirement planning calculators and dozens of free reports.” Or “Seating is limited so please call 1-800-111-2222 to reserve your seat.”
At the bottom of your ad you can include your firm name, address and contact information. Make it easy to read so they can take action and get a hold of you.
In my next article I’ll look show you some more ways to create effective headlines.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Write an Effective Advertisement
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Write an Effective Advertisement
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 668-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 668-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-10 23:56:28
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-10 23:56:28
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-11 06:56:28
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-11 06:56:28
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 668
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 668
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/668-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/668-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 673
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 673
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-10 23:58:56
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-10 23:58:56
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-11 06:58:56
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-11 06:58:56
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Attention
You get your reader’s attention with a powerful headline. This is the key.
Ted Nicholas became famous selling his best selling book, How To Form Your Own Corporation Without An Attorney For Under $50 . He spent hundreds of millions of dollars promoting this and other books in full-page magazine ads. He says that “73% of the buying decision is made at the point of the headline.”
Without a powerful and persuasive headline, your ad copy won’t be read. Your offer won’t be considered. You’ll waste your money.
So what should a good headline do? In Bob Bly’s The Copywriter’s Handbook , he describes the four functions of a headline:
Get attention. This gets the reader to read more of the ad.
Select the audience. Who do you want to attract? Who would you rather not attract?
Deliver a complete message. David Ogilvy, author of Confessions of an Advertising Man, says that 80% of readers will only read the headline. Headlines like “Merrill Lynch Is Bullish On America” at least let the reader know the name of the company.
Draw the reader into the body copy. The promise of solutions to current or potential problems gets the reader to continue reading more of the ad.
Let’s consider these four functions as we look at a few headlines.
“How To Win Friends and Influence People”
Dale Carnegie wrote this best-selling book during the 1930‘s. The book’s title served as the headline for ads selling the book. This headline grabs the reader’s attention and builds curiosity because who doesn’t want more friends? So this headline/title does #1 and #4. In a way, it selects the audience (#2) because everyone wants more friends.
“Did Your 401(k) Become a 201(k)?”
This headline grabbed attention (#1) by dramatizing a 50% fall in the stock market. It selected the audience (#2) by assuming the reader had a 401(k). It pulls the reader into the copy (#4) because it implies a solution to the problem of a falling retirement portfolio. While powerful, it missed on #2 by not offering a solution to the problem. I suppose “Turn Your 201(k) Into a 301(k) With Chinese Growth Stocks” would fulfill #3 but only testing would show if it was as effective.
“Worried About Outliving Your Retirement Funds?”
This headline grabs attention (#1) by pointing the pain of running out of money during retirement. It selects the audience (#2) advisors want to reach because pre-retirees and retirees worry about this; 25 year-olds don’t give it a thought. It can’t deliver a complete message because the problem will differ greatly from person to person. Yet it raises a real concern during times of rising prices and low interest rates and draws the reader into the rest of the ad (#4).
The most common mistake in advertising is using the firm name at the top of the ad as the headline. Look at all the financial advisor ads in the yellow pages. How many do this? Most. Use a powerful and compelling headline and you'll have much more effective ads. Why? Because your prospects will read on....
Interest
Next, you need to build interest in the reader for your service or product. Keep the reader interested by providing more facts which show in words or imagery you can deliver on the promise made in the headline. Pile on multiple benefits that will improve their lives.
Validate your claims by offering proof you can deliver on your promises. This proof can include references to your education, certifications, and years in business. Perhaps you’re a radio show host or have written articles in your local paper or other major publications.
Sadly, most financial advisors cannot include client lists or testimonials in any advertising. This precludes some of the most important proof that you can deliver on what you’re promising. Take comfort that your competitors can’t include client testimonials either.
Desire
You build up desire by helping them imagine how they'll feel after reading your report, attending your community seminar, or having their tax return analyzed. They want peace of mind and the knowledge that they are on track to a happy retirement. Or that they'll minimize their estate taxes. Or have more time to travel the world or spend time with their grandchildren.
Your business owner clients can offer strong guarantees. You can’t make any promissory guarantees. In some cases you can make a quasi-guarantee: “Guaranteed to make you think!” You can also build desire by offering additional free bonuses.
And how do they fulfill their desires? By accepting your offer....
Action
Finally, you need to close the deal and get the reader to act now and accept your offer. Obviously, you can’t offer “20% Off Apple Stock while supplies last!” You want them to take an action which will get them one step closer to sitting in your office for a first appointment.
Your offer will differ depending on the ad placement. Yellow pages ads run all year long so the offer might be for a free report on “The 7 Most Common Retirement Planning Mistakes and How To Avoid Them.” An advertisement for a no obligation tax planning analysis would work during tax season. Yet an ad for a free community seminar will only work a week prior to the event.
In a previous article, I wrote about giving away free information . Just remember that you need to offer your prospect something of value so they’ll contact you.
Your offer ends with a call to action. “Call our office today to receive your free report.” Or “Visit our website for free retirement planning calculators and dozens of free reports.” Or “Seating is limited so please call 1-800-111-2222 to reserve your seat.”
At the bottom of your ad you can include your firm name, address and contact information. Make it easy to read so they can take action and get a hold of you.
In my next article I’ll look show you some more ways to create effective headlines.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Attention
You get your reader’s attention with a powerful headline. This is the key.
Ted Nicholas became famous selling his best selling book, How To Form Your Own Corporation Without An Attorney For Under $50 . He spent hundreds of millions of dollars promoting this and other books in full-page magazine ads. He says that “73% of the buying decision is made at the point of the headline.”
Without a powerful and persuasive headline, your ad copy won’t be read. Your offer won’t be considered. You’ll waste your money.
So what should a good headline do? In Bob Bly’s The Copywriter’s Handbook , he describes the four functions of a headline:
Get attention. This gets the reader to read more of the ad.
Select the audience. Who do you want to attract? Who would you rather not attract?
Deliver a complete message. David Ogilvy, author of Confessions of an Advertising Man, says that 80% of readers will only read the headline. Headlines like “Merrill Lynch Is Bullish On America” at least let the reader know the name of the company.
Draw the reader into the body copy. The promise of solutions to current or potential problems gets the reader to continue reading more of the ad.
Let’s consider these four functions as we look at a few headlines.
“How To Win Friends and Influence People”
Dale Carnegie wrote this best-selling book during the 1930‘s. The book’s title served as the headline for ads selling the book. This headline grabs the reader’s attention and builds curiosity because who doesn’t want more friends? So this headline/title does #1 and #4. In a way, it selects the audience (#2) because everyone wants more friends.
“Did Your 401(k) Become a 201(k)?”
This headline grabbed attention (#1) by dramatizing a 50% fall in the stock market. It selected the audience (#2) by assuming the reader had a 401(k). It pulls the reader into the copy (#4) because it implies a solution to the problem of a falling retirement portfolio. While powerful, it missed on #2 by not offering a solution to the problem. I suppose “Turn Your 201(k) Into a 301(k) With Chinese Growth Stocks” would fulfill #3 but only testing would show if it was as effective.
“Worried About Outliving Your Retirement Funds?”
This headline grabs attention (#1) by pointing the pain of running out of money during retirement. It selects the audience (#2) advisors want to reach because pre-retirees and retirees worry about this; 25 year-olds don’t give it a thought. It can’t deliver a complete message because the problem will differ greatly from person to person. Yet it raises a real concern during times of rising prices and low interest rates and draws the reader into the rest of the ad (#4).
The most common mistake in advertising is using the firm name at the top of the ad as the headline. Look at all the financial advisor ads in the yellow pages. How many do this? Most. Use a powerful and compelling headline and you'll have much more effective ads. Why? Because your prospects will read on....
Interest
Next, you need to build interest in the reader for your service or product. Keep the reader interested by providing more facts which show in words or imagery you can deliver on the promise made in the headline. Pile on multiple benefits that will improve their lives.
Validate your claims by offering proof you can deliver on your promises. This proof can include references to your education, certifications, and years in business. Perhaps you’re a radio show host or have written articles in your local paper or other major publications.
Sadly, most financial advisors cannot include client lists or testimonials in any advertising. This precludes some of the most important proof that you can deliver on what you’re promising. Take comfort that your competitors can’t include client testimonials either.
Desire
You build up desire by helping them imagine how they'll feel after reading your report, attending your community seminar, or having their tax return analyzed. They want peace of mind and the knowledge that they are on track to a happy retirement. Or that they'll minimize their estate taxes. Or have more time to travel the world or spend time with their grandchildren.
Your business owner clients can offer strong guarantees. You can’t make any promissory guarantees. In some cases you can make a quasi-guarantee: “Guaranteed to make you think!” You can also build desire by offering additional free bonuses.
And how do they fulfill their desires? By accepting your offer....
Action
Finally, you need to close the deal and get the reader to act now and accept your offer. Obviously, you can’t offer “20% Off Apple Stock while supplies last!” You want them to take an action which will get them one step closer to sitting in your office for a first appointment.
Your offer will differ depending on the ad placement. Yellow pages ads run all year long so the offer might be for a free report on “The 7 Most Common Retirement Planning Mistakes and How To Avoid Them.” An advertisement for a no obligation tax planning analysis would work during tax season. Yet an ad for a free community seminar will only work a week prior to the event.
In a previous article, I wrote about giving away free information . Just remember that you need to offer your prospect something of value so they’ll contact you.
Your offer ends with a call to action. “Call our office today to receive your free report.” Or “Visit our website for free retirement planning calculators and dozens of free reports.” Or “Seating is limited so please call 1-800-111-2222 to reserve your seat.”
At the bottom of your ad you can include your firm name, address and contact information. Make it easy to read so they can take action and get a hold of you.
In my next article I’ll look show you some more ways to create effective headlines.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Write an Effective Advertisement
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Write an Effective Advertisement
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 668-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 668-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-10 23:58:56
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-10 23:58:56
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-11 06:58:56
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-11 06:58:56
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 668
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 668
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/668-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/668-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 674
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 674
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-10 23:59:00
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-10 23:59:00
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-11 06:59:00
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-11 06:59:00
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
You absolutely do not want to design the ad to please yourself. As author Jerry Reitman wrote, “Bait the hook to suit the fish, not the fisherman.” One of you is enough! You want more Sally’s so your ad should speak to Sally and get people like Sally to take action.
Over the years, successful writers have developed copywriting formulas which produce effective ads, TV commercials, and sales letters. I first learned about the “AIDA” formula in 1989 from marketing expert, Jay Abraham.
AIDA stands for attention, interest, desire and action. Your ad must get the buyers’ attention, build interest in your product or service, create desire to own that product or service, and finally ask the viewer or reader to take action to get that product or service.
Attention
You get your reader’s attention with a powerful headline. This is the key.
Ted Nicholas became famous selling his best selling book, How To Form Your Own Corporation Without An Attorney For Under $50 . He spent hundreds of millions of dollars promoting this and other books in full-page magazine ads. He says that “73% of the buying decision is made at the point of the headline.”
So what should a good headline do? In Bob Bly’s The Copywriter’s Handbook , he describes the four functions of a headline:
Get attention. This gets the reader to read more of the ad.
Select the audience. Who do you want to attract? Who would you rather not attract?
Deliver a complete message. David Ogilvy, author of Confessions of an Advertising Man, says that 80% of readers will only read the headline. Headlines like “Merrill Lynch Is Bullish On America” at least let the reader know the name of the company.
Draw the reader into the body copy. The promise of solutions to current or potential problems gets the reader to continue reading more of the ad.
Let’s consider these four functions as we look at a few headlines.
“How To Win Friends and Influence People”
“Did Your 401(k) Become a 201(k)?”
“Worried About Outliving Your Retirement Funds?”
The most common mistake in advertising is using the firm name at the top of the ad as the headline. Look at all the financial advisor ads in the yellow pages. How many do this? Most. Use a powerful and compelling headline and you'll have much more effective ads. Why? Because your prospects will read on....
Interest
Next, you need to build interest in the reader for your service or product. Keep the reader interested by providing more facts which show in words or imagery you can deliver on the promise made in the headline. Pile on multiple benefits that will improve their lives.
Validate your claims by offering proof you can deliver on your promises. This proof can include references to your education, certifications, and years in business. Perhaps you’re a radio show host or have written articles in your local paper or other major publications.
Sadly, most financial advisors cannot include client lists or testimonials in any advertising. This precludes some of the most important proof that you can deliver on what you’re promising. Take comfort that your competitors can’t include client testimonials either.
Desire
You build up desire by helping them imagine how they'll feel after reading your report, attending your community seminar, or having their tax return analyzed. They want peace of mind and the knowledge that they are on track to a happy retirement. Or that they'll minimize their estate taxes. Or have more time to travel the world or spend time with their grandchildren.
Your business owner clients can offer strong guarantees. You can’t make any promissory guarantees. In some cases you can make a quasi-guarantee: “Guaranteed to make you think!” You can also build desire by offering additional free bonuses.
And how do they fulfill their desires? By accepting your offer....
Action
Finally, you need to close the deal and get the reader to act now and accept your offer. Obviously, you can’t offer “20% Off Apple Stock while supplies last!” You want them to take an action which will get them one step closer to sitting in your office for a first appointment.
Your offer will differ depending on the ad placement. Yellow pages ads run all year long so the offer might be for a free report on “The 7 Most Common Retirement Planning Mistakes and How To Avoid Them.” An advertisement for a no obligation tax planning analysis would work during tax season. Yet an ad for a free community seminar will only work a week prior to the event.
In a previous article, I wrote about giving away free information . Just remember that you need to offer your prospect something of value so they’ll contact you.
Your offer ends with a call to action. “Call our office today to receive your free report.” Or “Visit our website for free retirement planning calculators and dozens of free reports.” Or “Seating is limited so please call 1-800-111-2222 to reserve your seat.”
At the bottom of your ad you can include your firm name, address and contact information. Make it easy to read so they can take action and get a hold of you.
In my next article I’ll look show you some more ways to create effective headlines.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
You absolutely do not want to design the ad to please yourself. As author Jerry Reitman wrote, “Bait the hook to suit the fish, not the fisherman.” One of you is enough! You want more Sally’s so your ad should speak to Sally and get people like Sally to take action.
Over the years, successful writers have developed copywriting formulas which produce effective ads, TV commercials, and sales letters. I first learned about the “AIDA” formula in 1989 from marketing expert, Jay Abraham.
AIDA stands for attention, interest, desire and action. Your ad must get the buyers’ attention, build interest in your product or service, create desire to own that product or service, and finally ask the viewer or reader to take action to get that product or service.
Attention
You get your reader’s attention with a powerful headline. This is the key.
Ted Nicholas became famous selling his best selling book, How To Form Your Own Corporation Without An Attorney For Under $50 . He spent hundreds of millions of dollars promoting this and other books in full-page magazine ads. He says that “73% of the buying decision is made at the point of the headline.”
So what should a good headline do? In Bob Bly’s The Copywriter’s Handbook , he describes the four functions of a headline:
Get attention. This gets the reader to read more of the ad.
Select the audience. Who do you want to attract? Who would you rather not attract?
Deliver a complete message. David Ogilvy, author of Confessions of an Advertising Man, says that 80% of readers will only read the headline. Headlines like “Merrill Lynch Is Bullish On America” at least let the reader know the name of the company.
Draw the reader into the body copy. The promise of solutions to current or potential problems gets the reader to continue reading more of the ad.
Let’s consider these four functions as we look at a few headlines.
“How To Win Friends and Influence People”
“Did Your 401(k) Become a 201(k)?”
“Worried About Outliving Your Retirement Funds?”
The most common mistake in advertising is using the firm name at the top of the ad as the headline. Look at all the financial advisor ads in the yellow pages. How many do this? Most. Use a powerful and compelling headline and you'll have much more effective ads. Why? Because your prospects will read on....
Interest
Next, you need to build interest in the reader for your service or product. Keep the reader interested by providing more facts which show in words or imagery you can deliver on the promise made in the headline. Pile on multiple benefits that will improve their lives.
Validate your claims by offering proof you can deliver on your promises. This proof can include references to your education, certifications, and years in business. Perhaps you’re a radio show host or have written articles in your local paper or other major publications.
Sadly, most financial advisors cannot include client lists or testimonials in any advertising. This precludes some of the most important proof that you can deliver on what you’re promising. Take comfort that your competitors can’t include client testimonials either.
Desire
You build up desire by helping them imagine how they'll feel after reading your report, attending your community seminar, or having their tax return analyzed. They want peace of mind and the knowledge that they are on track to a happy retirement. Or that they'll minimize their estate taxes. Or have more time to travel the world or spend time with their grandchildren.
Your business owner clients can offer strong guarantees. You can’t make any promissory guarantees. In some cases you can make a quasi-guarantee: “Guaranteed to make you think!” You can also build desire by offering additional free bonuses.
And how do they fulfill their desires? By accepting your offer....
Action
Finally, you need to close the deal and get the reader to act now and accept your offer. Obviously, you can’t offer “20% Off Apple Stock while supplies last!” You want them to take an action which will get them one step closer to sitting in your office for a first appointment.
Your offer will differ depending on the ad placement. Yellow pages ads run all year long so the offer might be for a free report on “The 7 Most Common Retirement Planning Mistakes and How To Avoid Them.” An advertisement for a no obligation tax planning analysis would work during tax season. Yet an ad for a free community seminar will only work a week prior to the event.
In a previous article, I wrote about giving away free information . Just remember that you need to offer your prospect something of value so they’ll contact you.
Your offer ends with a call to action. “Call our office today to receive your free report.” Or “Visit our website for free retirement planning calculators and dozens of free reports.” Or “Seating is limited so please call 1-800-111-2222 to reserve your seat.”
At the bottom of your ad you can include your firm name, address and contact information. Make it easy to read so they can take action and get a hold of you.
In my next article I’ll look show you some more ways to create effective headlines.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Write an Effective Advertisement
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of. Sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Remember that your headline must speak to a want, need or desire of your prospective customer. This is the big benefit that your product or service offers.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can..." These headlines build curiosity because you may solve a problem they've had for a long time. "At Last, You Can Stop Worrying About Your Retirement"
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
When you see the same exact ad running again and again in your local paper or in a magazine, you know it must be working. And a great headline is the number one reason an ad will work again and again. Folks see the ad, read the headline and then the rest of the ad and finally take action.
Now take a look at your own ads and see how you can improve the headlines.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of. Sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Remember that your headline must speak to a want, need or desire of your prospective customer. This is the big benefit that your product or service offers.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can..." These headlines build curiosity because you may solve a problem they've had for a long time. "At Last, You Can Stop Worrying About Your Retirement"
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
When you see the same exact ad running again and again in your local paper or in a magazine, you know it must be working. And a great headline is the number one reason an ad will work again and again. Folks see the ad, read the headline and then the rest of the ad and finally take action.
Now take a look at your own ads and see how you can improve the headlines.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 7 Ways To Write a Great Headline
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 7 Ways To Write a Great Headline
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: When you write great headlines, you improve the results of every advertisement, flyer, invitation, press release, client letter, and email you write. Remember that 73% of the buying decision is made at the point of the headline. And "buying" can mean opening the email message, listening to the rest of the TV or radio ad, reading the rest of the newspaper advertisement, buying the product or registering for a community seminar. So let's spend some time looking at proven ways to create great headlines.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: When you write great headlines, you improve the results of every advertisement, flyer, invitation, press release, client letter, and email you write. Remember that 73% of the buying decision is made at the point of the headline. And "buying" can mean opening the email message, listening to the rest of the TV or radio ad, reading the rest of the newspaper advertisement, buying the product or registering for a community seminar. So let's spend some time looking at proven ways to create great headlines.
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: When you write great headlines, you improve the results of every advertisement, flyer, invitation, press release, client letter, and email you write. Remember that 73% of the buying decision is made at the point of the headline. And "buying" can mean opening the email message, listening to the rest of the TV or radio ad, or reading the rest of the newspaper advertisement and buying the product or registering for a community seminar. So let's spend some time looking at proven ways to create great headlines.
Ted Nicholas has written books selling over a million copies including How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of...sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the runner up headlines as "sub-headlines" to highlight other advantages of the product or service.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: When you write great headlines, you improve the results of every advertisement, flyer, invitation, press release, client letter, and email you write. Remember that 73% of the buying decision is made at the point of the headline. And "buying" can mean opening the email message, listening to the rest of the TV or radio ad, or reading the rest of the newspaper advertisement and buying the product or registering for a community seminar. So let's spend some time looking at proven ways to create great headlines.
Ted Nicholas has written books selling over a million copies including How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of...sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the runner up headlines as "sub-headlines" to highlight other advantages of the product or service.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Write a Great Headline
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This short video looks at when you should feed your seminar attendees. Should you hold lunch seminars or dinner seminars? Should you feed them before your presentation? Or "hold them hostage" and feed them after your presentation?
The offer of a free meal attracts folks to your seminars. The delivery of a good meal keeps them happy at the presentation and impacts your goal: getting them to sign up for an first appointment.
http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This short video looks at when you should feed your seminar attendees. Should you hold lunch seminars or dinner seminars? Should you feed them before your presentation? Or "hold them hostage" and feed them after your presentation?
The offer of a free meal attracts folks to your seminars. The delivery of a good meal keeps them happy at the presentation and impacts your goal: getting them to sign up for an first appointment.
http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: When To Feed Your Seminar Attendees
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Should you hold lunch seminars or dinner seminars? Should you feed them before your presentation? Or "hold them hostage" and feed them after your presentation? The offer of a free meal attracts folks to your seminars. The delivery of a good meal keeps them happy at the presentation and impacts your goal: getting them to sign up for an first appointment.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Should you hold lunch seminars or dinner seminars? Should you feed them before your presentation? Or "hold them hostage" and feed them after your presentation? The offer of a free meal attracts folks to your seminars. The delivery of a good meal keeps them happy at the presentation and impacts your goal: getting them to sign up for an first appointment.
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http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This short video looks at when you should feed your seminar attendees. Should you hold lunch seminars or dinner seminars? Should you feed them before your presentation? Or "hold them hostage" and feed them after your presentation? The offer of a free meal attracts folks to your seminars. The delivery of a good meal keeps them happy at the presentation and impacts your goal: get them to sign up for an first appointment.
http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: When To Feed Your Seminar Attendees
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 677-revision-5
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/677-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/677-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This short video looks at when you should feed your seminar attendees. Should you hold lunch seminars or dinner seminars? Should you feed them before your presentation? Or "hold them hostage" and feed them after your presentation?
The offer of a free meal attracts folks to your seminars. The delivery of a good meal keeps them happy at the presentation and impacts your goal: get them to sign up for an first appointment.
http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This short video looks at when you should feed your seminar attendees. Should you hold lunch seminars or dinner seminars? Should you feed them before your presentation? Or "hold them hostage" and feed them after your presentation?
The offer of a free meal attracts folks to your seminars. The delivery of a good meal keeps them happy at the presentation and impacts your goal: get them to sign up for an first appointment.
http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: When To Feed Your Seminar Attendees
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: When To Feed Your Seminar Attendees
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/677-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/677-revision-6/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This short video looks at when you should feed your seminar attendees. Should you hold lunch seminars or dinner seminars? Should you feed them before your presentation? Or "hold them hostage" and feed them after your presentation?
The offer of a free meal attracts folks to your seminars. The delivery of a good meal keeps them happy at the presentation and impacts your goal: getting them to sign up for an first appointment.
http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This short video looks at when you should feed your seminar attendees. Should you hold lunch seminars or dinner seminars? Should you feed them before your presentation? Or "hold them hostage" and feed them after your presentation?
The offer of a free meal attracts folks to your seminars. The delivery of a good meal keeps them happy at the presentation and impacts your goal: getting them to sign up for an first appointment.
http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: When To Feed Your Seminar Attendees
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: When To Feed Your Seminar Attendees
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 677
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/677-revision-7/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/677-revision-7/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This short video looks at when you should feed your seminar attendees. Should you hold lunch seminars or dinner seminars? Should you feed them before your presentation? Or "hold them hostage" and feed them after your presentation?
The offer of a free meal attracts folks to your seminars. The delivery of a good meal keeps them happy at the presentation and impacts your goal: getting them to sign up for an first appointment.
http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This short video looks at when you should feed your seminar attendees. Should you hold lunch seminars or dinner seminars? Should you feed them before your presentation? Or "hold them hostage" and feed them after your presentation?
The offer of a free meal attracts folks to your seminars. The delivery of a good meal keeps them happy at the presentation and impacts your goal: getting them to sign up for an first appointment.
http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: When To Feed Your Seminar Attendees
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: When To Feed Your Seminar Attendees
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Should you hold lunch seminars or dinner seminars? Should you feed them before your presentation? Or "hold them hostage" and feed them after your presentation? The offer of a free meal attracts folks to your seminars. The delivery of a good meal keeps them happy at the presentation and impacts your goal: getting them to sign up for an first appointment.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Should you hold lunch seminars or dinner seminars? Should you feed them before your presentation? Or "hold them hostage" and feed them after your presentation? The offer of a free meal attracts folks to your seminars. The delivery of a good meal keeps them happy at the presentation and impacts your goal: getting them to sign up for an first appointment.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 677
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/677-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/677-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-12 10:37:49
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: When you write great headlines, you improve the results of every advertisement, flyer, invitation, press release, client letter, and email you write. Remember that 73% of the buying decision is made at the point of the headline. And "buying" can mean opening the email message, listening to the rest of the TV or radio ad, or reading the rest of the newspaper advertisement and buying the product or registering for a community seminar. So let's spend some time looking at proven ways to create great headlines.
Ted Nicholas has written books selling over a million copies including How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of...sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can promise to fill a gap in the marketplace with the words "Finally,..." or "Yes, You Can..." Everyone hears "No" from parents, teachers, bosses, so hearing Yes gets them to stop in their tracks. "Finally" builds curisity because you may solve a problem they've had for a long time.
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: When you write great headlines, you improve the results of every advertisement, flyer, invitation, press release, client letter, and email you write. Remember that 73% of the buying decision is made at the point of the headline. And "buying" can mean opening the email message, listening to the rest of the TV or radio ad, or reading the rest of the newspaper advertisement and buying the product or registering for a community seminar. So let's spend some time looking at proven ways to create great headlines.
Ted Nicholas has written books selling over a million copies including How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of...sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can promise to fill a gap in the marketplace with the words "Finally,..." or "Yes, You Can..." Everyone hears "No" from parents, teachers, bosses, so hearing Yes gets them to stop in their tracks. "Finally" builds curisity because you may solve a problem they've had for a long time.
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Write a Great Headline
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Write a Great Headline
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/675-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/675-revision-2/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: When you write great headlines, you improve the results of every advertisement, flyer, invitation, press release, client letter, and email you write. Remember that 73% of the buying decision is made at the point of the headline. And "buying" can mean opening the email message, listening to the rest of the TV or radio ad, or reading the rest of the newspaper advertisement and buying the product or registering for a community seminar. So let's spend some time looking at proven ways to create great headlines.
Ted Nicholas has written books selling over a million copies including How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of...sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can promise to fill a gap in the marketplace with the words "Finally,..." or "Yes, You Can..." Everyone hears "No" from parents, teachers, bosses, so hearing Yes gets them to stop in their tracks. "Finally" builds curisity because you may solve a problem they've had for a long time.
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: When you write great headlines, you improve the results of every advertisement, flyer, invitation, press release, client letter, and email you write. Remember that 73% of the buying decision is made at the point of the headline. And "buying" can mean opening the email message, listening to the rest of the TV or radio ad, or reading the rest of the newspaper advertisement and buying the product or registering for a community seminar. So let's spend some time looking at proven ways to create great headlines.
Ted Nicholas has written books selling over a million copies including How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of...sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can promise to fill a gap in the marketplace with the words "Finally,..." or "Yes, You Can..." Everyone hears "No" from parents, teachers, bosses, so hearing Yes gets them to stop in their tracks. "Finally" builds curisity because you may solve a problem they've had for a long time.
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of...sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can promise to fill a gap in the marketplace with the words "Finally,..." or "Yes, You Can..." Everyone hears "No" from parents, teachers, bosses, so hearing Yes gets them to stop in their tracks. "Finally" builds curisity because you may solve a problem they've had for a long time.
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of...sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can promise to fill a gap in the marketplace with the words "Finally,..." or "Yes, You Can..." Everyone hears "No" from parents, teachers, bosses, so hearing Yes gets them to stop in their tracks. "Finally" builds curisity because you may solve a problem they've had for a long time.
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of...sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can promise to fill a gap in the marketplace with the words "Finally,..." or "Yes, You Can..." Everyone hears "No" from parents, teachers, bosses, so hearing Yes gets them to stop in their tracks. "Finally" builds curisity because you may solve a problem they've had for a long time.
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of...sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can promise to fill a gap in the marketplace with the words "Finally,..." or "Yes, You Can..." Everyone hears "No" from parents, teachers, bosses, so hearing Yes gets them to stop in their tracks. "Finally" builds curisity because you may solve a problem they've had for a long time.
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of...sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can...." These headlines build curiosity because you may solve a problem they've had for a long time.
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of...sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can...." These headlines build curiosity because you may solve a problem they've had for a long time.
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of. Sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Remember that your headline must speak to a want, need or desire of your prospective customer. This is the big benefit that your product or service offers.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can...." These headlines build curiosity because you may solve a problem they've had for a long time.
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of. Sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Remember that your headline must speak to a want, need or desire of your prospective customer. This is the big benefit that your product or service offers.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can...." These headlines build curiosity because you may solve a problem they've had for a long time.
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 7 Ways To Write a Great Headline
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of. Sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Remember that your headline must speak to a want, need or desire of your prospective customer. This is the big benefit that your product or service offers.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can...." These headlines build curiosity because you may solve a problem they've had for a long time.
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of. Sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Remember that your headline must speak to a want, need or desire of your prospective customer. This is the big benefit that your product or service offers.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can...." These headlines build curiosity because you may solve a problem they've had for a long time.
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 7 Ways To Write a Great Headline
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of. Sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Remember that your headline must speak to a want, need or desire of your prospective customer. This is the big benefit that your product or service offers.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can...." These headlines build curiosity because you may solve a problem they've had for a long time.
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of. Sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Remember that your headline must speak to a want, need or desire of your prospective customer. This is the big benefit that your product or service offers.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can...." These headlines build curiosity because you may solve a problem they've had for a long time.
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 7 Ways To Write a Great Headline
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of. Sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Remember that your headline must speak to a want, need or desire of your prospective customer. This is the big benefit that your product or service offers.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can...." These headlines build curiosity because you may solve a problem they've had for a long time.
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of. Sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Remember that your headline must speak to a want, need or desire of your prospective customer. This is the big benefit that your product or service offers.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can...." These headlines build curiosity because you may solve a problem they've had for a long time.
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of. Sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Remember that your headline must speak to a want, need or desire of your prospective customer. This is the big benefit that your product or service offers.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can... Stop Worrying About Your Retirement" These headlines build curiosity because you may solve a problem they've had for a long time. "At Last, You Can... Stop Worrying About Your Retirement"
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of. Sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Remember that your headline must speak to a want, need or desire of your prospective customer. This is the big benefit that your product or service offers.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can... Stop Worrying About Your Retirement" These headlines build curiosity because you may solve a problem they've had for a long time. "At Last, You Can... Stop Worrying About Your Retirement"
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 7 Ways To Write a Great Headline
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of. Sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Remember that your headline must speak to a want, need or desire of your prospective customer. This is the big benefit that your product or service offers.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can..." These headlines build curiosity because you may solve a problem they've had for a long time. "At Last, You Can Stop Worrying About Your Retirement"
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
When you see the same exact ad running again and again in your local paper or in a magazine, you know it must be working. And a great headline is the number one reason an ad will work again and again. Folks see the ad, read the headline and then the rest of the ad and finally take action.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of. Sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Remember that your headline must speak to a want, need or desire of your prospective customer. This is the big benefit that your product or service offers.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can..." These headlines build curiosity because you may solve a problem they've had for a long time. "At Last, You Can Stop Worrying About Your Retirement"
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
When you see the same exact ad running again and again in your local paper or in a magazine, you know it must be working. And a great headline is the number one reason an ad will work again and again. Folks see the ad, read the headline and then the rest of the ad and finally take action.
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of. Sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Remember that your headline must speak to a want, need or desire of your prospective customer. This is the big benefit that your product or service offers.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can..." These headlines build curiosity because you may solve a problem they've had for a long time. "At Last, You Can Stop Worrying About Your Retirement"
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
When you see the same exact ad running again and again in your local paper or in a magazine, you know it must be working. And a great headline is the number one reason an ad will work again and again. Folks see the ad, read the headline and then the rest of the ad and finally take action.
Now take a look at your own ads and see how you can improve the headlines.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Form Your Own Corporation For Under $75 . Ted recommends writing the headline first before writing any other part of the ad. He starts out by listing every possible benefit he can think of. Next he turns benefits into headlines and writes as many as he can think of. Sometimes as many as 200 for one product! Once you've settled on the main headline you can start putting together the rest of the ad. You can use the "runner up headlines" as "sub-headlines" to highlight other advantages of the product or service.
Remember that your headline must speak to a want, need or desire of your prospective customer. This is the big benefit that your product or service offers.
Now let's look at 7 ways to write a great headline.
Add the words "How To" to your existing headline. Tests using the exact same ad with only these 2 words added to the headline increased results by 17%. I did this with a headline for living trust seminars beginning with "Avoid Probate..." and made it "How To Avoid Probate..." and improved results. People are looking for solutions to problems and they want to know "how-to" do something.
You can offer to fill a gap in the marketplace with the words "Finally,..." or "At Last, You Can..." These headlines build curiosity because you may solve a problem they've had for a long time. "At Last, You Can Stop Worrying About Your Retirement"
Everyone hears "No" from parents, teachers, bosses, so hearing "Yes" gets them to stop in their tracks. "Yes, You Can ..."
Using a client testimonial can create a great headline by adding credibility and personalizing the product or service. Here's a classic "testimonial" type ad written by copywriting ledgend John Caples: They Laughed When I Sat Down At the Piano But When I Started to Play! --
Ask a question: "Tired of Waiting For the Phone To Ring?" or "Worried About Running Out of Retirement Money?"
Two words, "Free" and "New", are proven to grab attention: "Free Report On Avoiding the 5 Most Common Mistakes of Retirement Planning" and "7 New Ways To Hire Better Employees" Both of these headlines have a number in them. For some reason odd numbers of lists work better. The exception to this rule is "Top 10" lists which work well.
Try to dig deeper and uncover the "hidden benefit" of your product, seminar, or service. Ted Nicholas used "The Ultimate Tax Shelter" as the headline for selling 200,000 copies of his book on setting up your own corporation. Yes, this single ad generated over $4 million in book sales. Yet the book itself didn't use the phrase "tax shelter." He says that the "tax shelter possibilities are why many people form corporations."
When you see the same exact ad running again and again in your local paper or in a magazine, you know it must be working. And a great headline is the number one reason an ad will work again and again. Folks see the ad, read the headline and then the rest of the ad and finally take action.
Now take a look at your own ads and see how you can improve the headlines.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 7 Ways To Write a Great Headline
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/675-revision-13/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/675-revision-13/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Copywriting That Gets Results
If you are looking for a "virtual" VP of Marketing then take a look at Richard's Advisor Marketing Makeover program. Learn how Richard Emmons can perform a systematic consulting approach to grow your practice.
As part of the consulting process, Richard writes the "copy" or sales message which appears in his clients' brochures, website, sales letters, and other marketing materials.
Copywriting has been defined as "salesmanship in print." The goal of powerful, persuasive copywriting is to get people to "take action." This can include buying a product or service, attending a seminar, or referring friends to a favorite business.
Schedule permitting, Richard takes on new copywriting clients who do not want a complete "marketing makeover." If you just want Richard to write the copy for a new advertisement, brochure, website, sales letter, etc. then contact Richard for information regarding his copywriting services.
Past copywriting projects have included:
Sales Letters
Display ads including Yellow Pages ads
Websites
E-mail campaigns
Client newsletters
Postcards
Marketing White Papers
Help wanted ads
Fundraising letters
TV and radio commercial scripts
Contact Richard to get more information about any of these copywriting services.
He can also help you rent a mailing list so you can target your prospecting at the "better buyers" in your market.
Once the copywriting process is complete, Richard's graphic designer will give your marketing piece that finished look which really gets attention.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Copywriting That Gets Results
If you are looking for a "virtual" VP of Marketing then take a look at Richard's Advisor Marketing Makeover program. Learn how Richard Emmons can perform a systematic consulting approach to grow your practice.
As part of the consulting process, Richard writes the "copy" or sales message which appears in his clients' brochures, website, sales letters, and other marketing materials.
Copywriting has been defined as "salesmanship in print." The goal of powerful, persuasive copywriting is to get people to "take action." This can include buying a product or service, attending a seminar, or referring friends to a favorite business.
Schedule permitting, Richard takes on new copywriting clients who do not want a complete "marketing makeover." If you just want Richard to write the copy for a new advertisement, brochure, website, sales letter, etc. then contact Richard for information regarding his copywriting services.
Past copywriting projects have included:
Sales Letters
Display ads including Yellow Pages ads
Websites
E-mail campaigns
Client newsletters
Postcards
Marketing White Papers
Help wanted ads
Fundraising letters
TV and radio commercial scripts
Contact Richard to get more information about any of these copywriting services.
He can also help you rent a mailing list so you can target your prospecting at the "better buyers" in your market.
Once the copywriting process is complete, Richard's graphic designer will give your marketing piece that finished look which really gets attention.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Copywriting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Copywriting
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?page_id=710
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?page_id=710
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Copywriting That Gets Results
If you are looking for a "virtual" VP of Marketing then look at the Resources and read about Richard's "Marketing Makeover" program to learn how Richard Emmons can perform a systematic consulting approach to grow your practice.
As part of consulting process, Richard writes the "copy" or message which appears in his clients' brochures, website, sales letters, and other marketing materials.
Copywriting has been defined as "salesmanship in print." The goal of powerful, persuasive copywriting is to get people to "take action." This can include buying a product or service, attending a seminar, or referring friends to a favorite business.
Schedule permitting, Richard takes on new copywriting clients who do not want a complete "marketing makeover." If you just want Richard to write the copy for a new advertisement, brochure, website, sales letter, etc. then contact Richard for information regarding his copywriting services.
Past copywriting projects have included:
Sales Letters
Display ads including Yellow Pages ads
Websites
E-mail campaigns
Client newsletters
Postcards
Marketing White Papers
Help wanted ads
Fundraising letters
TV and radio commercial scripts
Contact Richard to get more information about any of these copywriting services.
He can also help you rent a mailing list so you can target your prospecting at the "better buyers" in your market.
Once the copywriting process is complete, Richard's graphic designer who can help give your marketing piece that finished look which gets attention.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Copywriting That Gets Results
If you are looking for a "virtual" VP of Marketing then look at the Resources and read about Richard's "Marketing Makeover" program to learn how Richard Emmons can perform a systematic consulting approach to grow your practice.
As part of consulting process, Richard writes the "copy" or message which appears in his clients' brochures, website, sales letters, and other marketing materials.
Copywriting has been defined as "salesmanship in print." The goal of powerful, persuasive copywriting is to get people to "take action." This can include buying a product or service, attending a seminar, or referring friends to a favorite business.
Schedule permitting, Richard takes on new copywriting clients who do not want a complete "marketing makeover." If you just want Richard to write the copy for a new advertisement, brochure, website, sales letter, etc. then contact Richard for information regarding his copywriting services.
Past copywriting projects have included:
Sales Letters
Display ads including Yellow Pages ads
Websites
E-mail campaigns
Client newsletters
Postcards
Marketing White Papers
Help wanted ads
Fundraising letters
TV and radio commercial scripts
Contact Richard to get more information about any of these copywriting services.
He can also help you rent a mailing list so you can target your prospecting at the "better buyers" in your market.
Once the copywriting process is complete, Richard's graphic designer who can help give your marketing piece that finished look which gets attention.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Copywriting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Copywriting
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/710-revision/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Copywriting That Gets Results
If you are looking for a "virtual" VP of Marketing then look at the Resources and read about Richard's "Marketing Makeover" program to learn how Richard Emmons can perform a systematic consulting approach to grow your practice.
As part of consulting process, Richard writes the "copy" or message which appears in his clients' brochures, website, sales letters, and other marketing materials.
Copywriting has been defined as "salesmanship in print." The goal of powerful, persuasive copywriting is to get people to "take action." This can include buying a product or service, attending a seminar, or referring friends to a favorite business.
Schedule permitting, Richard takes on new copywriting clients who do not want a complete "marketing makeover." If you just want Richard to write the copy for a new advertisement, brochure, website, sales letter, etc. then contact Richard for information regarding his copywriting services.
Past copywriting projects have included:
Sales Letters
Display ads including Yellow Pages ads
Websites
E-mail campaigns
Client newsletters
Postcards
Marketing White Papers
Help wanted ads
Fundraising letters
TV and radio commercial scripts
Contact Richard to get more information about any of these copywriting services.
He can also help you rent a mailing list so you can target your prospecting at the "better buyers" in your market.
Once the copywriting process is complete, Richard's graphic designer will give your marketing piece that finished look which really gets attention.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Copywriting That Gets Results
If you are looking for a "virtual" VP of Marketing then look at the Resources and read about Richard's "Marketing Makeover" program to learn how Richard Emmons can perform a systematic consulting approach to grow your practice.
As part of consulting process, Richard writes the "copy" or message which appears in his clients' brochures, website, sales letters, and other marketing materials.
Copywriting has been defined as "salesmanship in print." The goal of powerful, persuasive copywriting is to get people to "take action." This can include buying a product or service, attending a seminar, or referring friends to a favorite business.
Schedule permitting, Richard takes on new copywriting clients who do not want a complete "marketing makeover." If you just want Richard to write the copy for a new advertisement, brochure, website, sales letter, etc. then contact Richard for information regarding his copywriting services.
Past copywriting projects have included:
Sales Letters
Display ads including Yellow Pages ads
Websites
E-mail campaigns
Client newsletters
Postcards
Marketing White Papers
Help wanted ads
Fundraising letters
TV and radio commercial scripts
Contact Richard to get more information about any of these copywriting services.
He can also help you rent a mailing list so you can target your prospecting at the "better buyers" in your market.
Once the copywriting process is complete, Richard's graphic designer will give your marketing piece that finished look which really gets attention.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Copywriting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Copywriting
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Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
I found this story on www.DrudgeReport.com which had 27,027,155 visits in the past 24 hours. So it was seen by many, many people who never would have looked at the New York Daily News. So this is fabulous publicity for a product many say is an expensive toy.
Who knows maybe the Tea Party activitists will use the iPad as a symbol of limited government...who needs fancy offices when a Prime Minister can run the government from an airport waiting area?
The Drudge Report also linked to this story: School-issued laptops took thousands of secret images... Buried down deep in the story the reporter mentioned that the laptop in question is an Apple MacBook. Thankfully for Apple's sake, it wasn't mentioned in the headline.
So look for ways to publicize your products and services by linking them with current news. And you just might land on the Drudge Report!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
I found this story on www.DrudgeReport.com which had 27,027,155 visits in the past 24 hours. So it was seen by many, many people who never would have looked at the New York Daily News. So this is fabulous publicity for a product many say is an expensive toy.
Who knows maybe the Tea Party activitists will use the iPad as a symbol of limited government...who needs fancy offices when a Prime Minister can run the government from an airport waiting area?
The Drudge Report also linked to this story: School-issued laptops took thousands of secret images... Buried down deep in the story the reporter mentioned that the laptop in question is an Apple MacBook. Thankfully for Apple's sake, it wasn't mentioned in the headline.
So look for ways to publicize your products and services by linking them with current news. And you just might land on the Drudge Report!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Apple's new iPad got millions of dollars in free publicity yesterday when the New York Daily News reported that the Prime Minister of Norway was running his government with his iPad. Likes thousands of people, he was stuck in a New York airport because the Icelandic volcanic ash made travel to Europe impossible.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Apple's new iPad got millions of dollars in free publicity yesterday when the New York Daily News reported that the Prime Minister of Norway was running his government with his iPad. Likes thousands of people, he was stuck in a New York airport because the Icelandic volcanic ash made travel to Europe impossible.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=713
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=713
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 714
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 714
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 09:35:34
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 09:35:34
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 16:35:34
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 05_Flatbed_WEB- APRIL Original Filename: 4521609949_923fb41668_o.jpg
Statsministerens Kontor/Flickr
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 05_Flatbed_WEB- APRIL Original Filename: 4521609949_923fb41668_o.jpg
Statsministerens Kontor/Flickr
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 05_Flatbed_WEB - APRIL
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 05_Flatbed_WEB - APRIL
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 05_flatbed_web-april
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 05_flatbed_web-april
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 09:35:34
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 16:35:34
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 16:35:34
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/norway_jens-stoltenberg_ipad.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/norway_jens-stoltenberg_ipad.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: attachment
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: attachment
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: image/jpeg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: image/jpeg
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 715
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 715
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 09:36:12
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 09:36:12
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 16:36:12
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 16:36:12
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Yesterday I wrote about connecting current news events to your products or services. You read that Congress changes the federal estate tax laws so you write a press release quoting this story and promoting your upcoming estate planning seminar. With a little effort you can get some free coverage in your local paper.
Sometimes you don't have to do any work at all.
Unless you were cut-off from the world yesterday doing your tax returns, you know a massive volcano erupted in Iceland. You may have read that the massive ash clouds floated east to Europe and caused many air flights to be canceled. Some travelers were stuck in New York City because they couldn't fly home to Europe.
One of them was the Prime Minister of Norway. Now read this article from the NY Daily News:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
dd
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Yesterday I wrote about connecting current news events to your products or services. You read that Congress changes the federal estate tax laws so you write a press release quoting this story and promoting your upcoming estate planning seminar. With a little effort you can get some free coverage in your local paper.
Sometimes you don't have to do any work at all.
Unless you were cut-off from the world yesterday doing your tax returns, you know a massive volcano erupted in Iceland. You may have read that the massive ash clouds floated east to Europe and caused many air flights to be canceled. Some travelers were stuck in New York City because they couldn't fly home to Europe.
One of them was the Prime Minister of Norway. Now read this article from the NY Daily News:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
dd
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713-revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713-revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 16:36:12
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/713-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/713-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 716
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 716
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 09:36:19
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 09:36:19
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 16:36:19
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 16:36:19
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Yesterday I wrote about connecting current news events to your products or services. You read that Congress changes the federal estate tax laws so you write a press release quoting this story and promoting your upcoming estate planning seminar. With a little effort you can get some free coverage in your local paper.
Sometimes you don't have to do any work at all.
Unless you were cut-off from the world yesterday doing your tax returns, you know a massive volcano erupted in Iceland. You may have read that the massive ash clouds floated east to Europe and caused many air flights to be canceled. Some travelers were stuck in New York City because they couldn't fly home to Europe.
One of them was the Prime Minister of Norway. Now read this article from the NY Daily News:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
dd
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Yesterday I wrote about connecting current news events to your products or services. You read that Congress changes the federal estate tax laws so you write a press release quoting this story and promoting your upcoming estate planning seminar. With a little effort you can get some free coverage in your local paper.
Sometimes you don't have to do any work at all.
Unless you were cut-off from the world yesterday doing your tax returns, you know a massive volcano erupted in Iceland. You may have read that the massive ash clouds floated east to Europe and caused many air flights to be canceled. Some travelers were stuck in New York City because they couldn't fly home to Europe.
One of them was the Prime Minister of Norway. Now read this article from the NY Daily News:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
dd
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 09:36:19
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 09:36:19
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 16:36:19
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 16:36:19
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/713-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/713-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 717
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 717
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 10:24:31
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 10:24:31
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:24:31
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 17:24:31
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: ipad2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: ipad2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: ipad2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: ipad2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 10:24:31
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 10:24:31
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:24:31
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 17:24:31
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/ipad2.png
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/ipad2.png
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: attachment
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: attachment
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: image/png
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: image/png
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 718
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 718
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 09:36:35
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 09:36:35
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 16:36:35
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 16:36:35
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Yesterday I wrote about connecting current news events to your products or services. You read that Congress changes the federal estate tax laws so you write a press release quoting this story and promoting your upcoming estate planning seminar. With a little effort you can get some free coverage in your local paper.
Sometimes you don't have to do any work at all.
Unless you were cut-off from the world yesterday doing your tax returns, you know a massive volcano erupted in Iceland. You may have read that the massive ash clouds floated east to Europe and caused many air flights to be canceled. Some travelers were stuck in New York City because they couldn't fly home to Europe.
One of them was the Prime Minister of Norway. Now read this article from the NY Daily News:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
dd
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Yesterday I wrote about connecting current news events to your products or services. You read that Congress changes the federal estate tax laws so you write a press release quoting this story and promoting your upcoming estate planning seminar. With a little effort you can get some free coverage in your local paper.
Sometimes you don't have to do any work at all.
Unless you were cut-off from the world yesterday doing your tax returns, you know a massive volcano erupted in Iceland. You may have read that the massive ash clouds floated east to Europe and caused many air flights to be canceled. Some travelers were stuck in New York City because they couldn't fly home to Europe.
One of them was the Prime Minister of Norway. Now read this article from the NY Daily News:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
dd
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 09:36:35
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 09:36:35
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 16:36:35
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 16:36:35
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/713-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/713-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 719
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 719
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 10:25:12
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:25:12
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 17:25:12
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
dd
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
dd
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 10:25:12
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 10:25:12
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:25:12
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 17:25:12
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/713-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/713-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 720
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 720
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 10:26:39
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 10:26:39
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:26:39
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 17:26:39
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Iceland_volcano
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Iceland_volcano
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: iceland_volcano
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: iceland_volcano
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 10:26:39
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 10:26:39
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:26:39
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 17:26:39
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/Iceland_volcano.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/Iceland_volcano.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: attachment
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: attachment
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: image/jpeg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: image/jpeg
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 721
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 721
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 10:26:05
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 10:26:05
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:26:05
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 17:26:05
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
dd
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
dd
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713-revision-5
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713-revision-5
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 10:26:05
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 10:26:05
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:26:05
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 17:26:05
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/713-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/713-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 722
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 722
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 10:26:56
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 10:26:56
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:26:56
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 17:26:56
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
dd
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
dd
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713-revision-6
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713-revision-6
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 10:26:56
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 10:26:56
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:26:56
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 17:26:56
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/713-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/713-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 723
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 723
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 10:35:53
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 10:35:53
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:35:53
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 17:35:53
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
I found this story on www.DrudgeReport.com which had 27,027,155 visits in the past 24 hours. So it was seen by many, many people who never would have looked at the New York Daily News. So this is fabulous publicity for a product that many say is an expensive gadget.
The Drudge Report also linked to this story: School-issued laptops took thousands of secret images...
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
I found this story on www.DrudgeReport.com which had 27,027,155 visits in the past 24 hours. So it was seen by many, many people who never would have looked at the New York Daily News. So this is fabulous publicity for a product that many say is an expensive gadget.
The Drudge Report also linked to this story: School-issued laptops took thousands of secret images...
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
I found this story on www.DrudgeReport.com which had 27,027,155 visits in the past 24 hours. So it was seen by many, many people who never would have looked at the New York Daily News. So this is fabulous publicity for a product many say is an expensive toy. Who knows maybe the Tea Party activitists will use the iPad as a symbol of limited government...who needs fancy offices when a Prime Minister can run the government from an airport waiting area?
The Drudge Report also linked to this story: School-issued laptops took thousands of secret images... Buried down deep in the story the reporter mentioned that the laptop in question is an Apple MacBook. Thankfully for Apple's sake, it wasn't mentioned in the headline.
So look for ways to publicize your products and services by linking them with current news. And you just might land on the Drudge Report!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
I found this story on www.DrudgeReport.com which had 27,027,155 visits in the past 24 hours. So it was seen by many, many people who never would have looked at the New York Daily News. So this is fabulous publicity for a product many say is an expensive toy. Who knows maybe the Tea Party activitists will use the iPad as a symbol of limited government...who needs fancy offices when a Prime Minister can run the government from an airport waiting area?
The Drudge Report also linked to this story: School-issued laptops took thousands of secret images... Buried down deep in the story the reporter mentioned that the laptop in question is an Apple MacBook. Thankfully for Apple's sake, it wasn't mentioned in the headline.
So look for ways to publicize your products and services by linking them with current news. And you just might land on the Drudge Report!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Apple's new iPad got millions of dollars in free publicity yesterday when the New York Daily News reported that the Prime Minister of Norway was running his government with his iPad. Likes thousands of people, he was stuck in a New York airport because the Icelandic volcanic ash made travel to Europe impossible.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Apple's new iPad got millions of dollars in free publicity yesterday when the New York Daily News reported that the Prime Minister of Norway was running his government with his iPad. Likes thousands of people, he was stuck in a New York airport because the Icelandic volcanic ash made travel to Europe impossible.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713-revision-8
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713-revision-8
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 10:50:02
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 10:50:02
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:50:02
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 17:50:02
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/713-revision-8/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/713-revision-8/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 725
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 725
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 10:50:05
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 10:50:05
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:50:05
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 17:50:05
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
I found this story on www.DrudgeReport.com which had 27,027,155 visits in the past 24 hours. So it was seen by many, many people who never would have looked at the New York Daily News. So this is fabulous publicity for a product many say is an expensive toy. Who knows maybe the Tea Party activitists will use the iPad as a symbol of limited government...who needs fancy offices when a Prime Minister can run the government from an airport waiting area?
The Drudge Report also linked to this story: School-issued laptops took thousands of secret images... Buried down deep in the story the reporter mentioned that the laptop in question is an Apple MacBook. Thankfully for Apple's sake, it wasn't mentioned in the headline.
So look for ways to publicize your products and services by linking them with current news. And you just might land on the Drudge Report!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
I found this story on www.DrudgeReport.com which had 27,027,155 visits in the past 24 hours. So it was seen by many, many people who never would have looked at the New York Daily News. So this is fabulous publicity for a product many say is an expensive toy. Who knows maybe the Tea Party activitists will use the iPad as a symbol of limited government...who needs fancy offices when a Prime Minister can run the government from an airport waiting area?
The Drudge Report also linked to this story: School-issued laptops took thousands of secret images... Buried down deep in the story the reporter mentioned that the laptop in question is an Apple MacBook. Thankfully for Apple's sake, it wasn't mentioned in the headline.
So look for ways to publicize your products and services by linking them with current news. And you just might land on the Drudge Report!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Apple's new iPad got millions of dollars in free publicity yesterday when the New York Daily News reported that the Prime Minister of Norway was running his government with his iPad. Likes thousands of people, he was stuck in a New York airport because the Icelandic volcanic ash made travel to Europe impossible.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Apple's new iPad got millions of dollars in free publicity yesterday when the New York Daily News reported that the Prime Minister of Norway was running his government with his iPad. Likes thousands of people, he was stuck in a New York airport because the Icelandic volcanic ash made travel to Europe impossible.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713-revision-9
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713-revision-9
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 10:50:05
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 10:50:05
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:50:05
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 17:50:05
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/713-revision-9/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/713-revision-9/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 726
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 726
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 10:50:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 10:50:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:50:40
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
I found this story on www.DrudgeReport.com which had 27,027,155 visits in the past 24 hours. So it was seen by many, many people who never would have looked at the New York Daily News. So this is fabulous publicity for a product many say is an expensive toy.
Who knows maybe the Tea Party activitists will use the iPad as a symbol of limited government...who needs fancy offices when a Prime Minister can run the government from an airport waiting area?
The Drudge Report also linked to this story: School-issued laptops took thousands of secret images... Buried down deep in the story the reporter mentioned that the laptop in question is an Apple MacBook. Thankfully for Apple's sake, it wasn't mentioned in the headline.
So look for ways to publicize your products and services by linking them with current news. And you just might land on the Drudge Report!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
I found this story on www.DrudgeReport.com which had 27,027,155 visits in the past 24 hours. So it was seen by many, many people who never would have looked at the New York Daily News. So this is fabulous publicity for a product many say is an expensive toy.
Who knows maybe the Tea Party activitists will use the iPad as a symbol of limited government...who needs fancy offices when a Prime Minister can run the government from an airport waiting area?
The Drudge Report also linked to this story: School-issued laptops took thousands of secret images... Buried down deep in the story the reporter mentioned that the laptop in question is an Apple MacBook. Thankfully for Apple's sake, it wasn't mentioned in the headline.
So look for ways to publicize your products and services by linking them with current news. And you just might land on the Drudge Report!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Apple's new iPad got millions of dollars in free publicity yesterday when the New York Daily News reported that the Prime Minister of Norway was running his government with his iPad. Likes thousands of people, he was stuck in a New York airport because the Icelandic volcanic ash made travel to Europe impossible.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Apple's new iPad got millions of dollars in free publicity yesterday when the New York Daily News reported that the Prime Minister of Norway was running his government with his iPad. Likes thousands of people, he was stuck in a New York airport because the Icelandic volcanic ash made travel to Europe impossible.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713-revision-10
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713-revision-10
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 10:50:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 10:50:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:50:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 17:50:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/713-revision-10/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/713-revision-10/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 727
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 727
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-15 14:12:38
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-15 14:12:38
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-15 21:12:38
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-15 21:12:38
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Copywriting That Gets Results
If you are looking for a "virtual" VP of Marketing then look at the Resources and read about Richard's "Advisor Marketing Makeover" program. Learn how Richard Emmons can perform a systematic consulting approach to grow your practice.
As part of consulting process, Richard writes the "copy" or message which appears in his clients' brochures, website, sales letters, and other marketing materials.
Copywriting has been defined as "salesmanship in print." The goal of powerful, persuasive copywriting is to get people to "take action." This can include buying a product or service, attending a seminar, or referring friends to a favorite business.
Schedule permitting, Richard takes on new copywriting clients who do not want a complete "marketing makeover." If you just want Richard to write the copy for a new advertisement, brochure, website, sales letter, etc. then contact Richard for information regarding his copywriting services.
Past copywriting projects have included:
Sales Letters
Display ads including Yellow Pages ads
Websites
E-mail campaigns
Client newsletters
Postcards
Marketing White Papers
Help wanted ads
Fundraising letters
TV and radio commercial scripts
Contact Richard to get more information about any of these copywriting services.
He can also help you rent a mailing list so you can target your prospecting at the "better buyers" in your market.
Once the copywriting process is complete, Richard's graphic designer will give your marketing piece that finished look which really gets attention.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Copywriting That Gets Results
If you are looking for a "virtual" VP of Marketing then look at the Resources and read about Richard's "Advisor Marketing Makeover" program. Learn how Richard Emmons can perform a systematic consulting approach to grow your practice.
As part of consulting process, Richard writes the "copy" or message which appears in his clients' brochures, website, sales letters, and other marketing materials.
Copywriting has been defined as "salesmanship in print." The goal of powerful, persuasive copywriting is to get people to "take action." This can include buying a product or service, attending a seminar, or referring friends to a favorite business.
Schedule permitting, Richard takes on new copywriting clients who do not want a complete "marketing makeover." If you just want Richard to write the copy for a new advertisement, brochure, website, sales letter, etc. then contact Richard for information regarding his copywriting services.
Past copywriting projects have included:
Sales Letters
Display ads including Yellow Pages ads
Websites
E-mail campaigns
Client newsletters
Postcards
Marketing White Papers
Help wanted ads
Fundraising letters
TV and radio commercial scripts
Contact Richard to get more information about any of these copywriting services.
He can also help you rent a mailing list so you can target your prospecting at the "better buyers" in your market.
Once the copywriting process is complete, Richard's graphic designer will give your marketing piece that finished look which really gets attention.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Copywriting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Copywriting
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 710-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 710-revision-3
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-15 14:12:38
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-15 14:12:38
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-15 21:12:38
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 710
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 710
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/710-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/710-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 728
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 728
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 11:14:33
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 18:14:33
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 18:14:33
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Copywriting That Gets Results
If you are looking for a "virtual" VP of Marketing then take a look at Richard's "Advisor Marketing Makeover " program. Learn how Richard Emmons can perform a systematic consulting approach to grow your practice.
As part of consulting process, Richard writes the "copy" or message which appears in his clients' brochures, website, sales letters, and other marketing materials.
Copywriting has been defined as "salesmanship in print." The goal of powerful, persuasive copywriting is to get people to "take action." This can include buying a product or service, attending a seminar, or referring friends to a favorite business.
Schedule permitting, Richard takes on new copywriting clients who do not want a complete "marketing makeover." If you just want Richard to write the copy for a new advertisement, brochure, website, sales letter, etc. then contact Richard for information regarding his copywriting services.
Past copywriting projects have included:
Sales Letters
Display ads including Yellow Pages ads
Websites
E-mail campaigns
Client newsletters
Postcards
Marketing White Papers
Help wanted ads
Fundraising letters
TV and radio commercial scripts
Contact Richard to get more information about any of these copywriting services.
He can also help you rent a mailing list so you can target your prospecting at the "better buyers" in your market.
Once the copywriting process is complete, Richard's graphic designer will give your marketing piece that finished look which really gets attention.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Copywriting That Gets Results
If you are looking for a "virtual" VP of Marketing then take a look at Richard's "Advisor Marketing Makeover " program. Learn how Richard Emmons can perform a systematic consulting approach to grow your practice.
As part of consulting process, Richard writes the "copy" or message which appears in his clients' brochures, website, sales letters, and other marketing materials.
Copywriting has been defined as "salesmanship in print." The goal of powerful, persuasive copywriting is to get people to "take action." This can include buying a product or service, attending a seminar, or referring friends to a favorite business.
Schedule permitting, Richard takes on new copywriting clients who do not want a complete "marketing makeover." If you just want Richard to write the copy for a new advertisement, brochure, website, sales letter, etc. then contact Richard for information regarding his copywriting services.
Past copywriting projects have included:
Sales Letters
Display ads including Yellow Pages ads
Websites
E-mail campaigns
Client newsletters
Postcards
Marketing White Papers
Help wanted ads
Fundraising letters
TV and radio commercial scripts
Contact Richard to get more information about any of these copywriting services.
He can also help you rent a mailing list so you can target your prospecting at the "better buyers" in your market.
Once the copywriting process is complete, Richard's graphic designer will give your marketing piece that finished look which really gets attention.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Copywriting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Copywriting
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 710-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 710-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 11:14:33
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 11:14:33
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 18:14:33
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-16 18:14:33
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 710
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 710
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/710-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/710-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 729
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 729
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 15:40:45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-17 15:40:45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 22:40:45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-17 22:40:45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Copywriting That Gets Results
If you are looking for a "virtual" VP of Marketing then take a look at Richard's Advisor Marketing Makeover program. Learn how Richard Emmons can perform a systematic consulting approach to grow your practice.
As part of the consulting process, Richard writes the "copy" or sales message which appears in his clients' brochures, website, sales letters, and other marketing materials.
Copywriting has been defined as "salesmanship in print." The goal of powerful, persuasive copywriting is to get people to "take action." This can include buying a product or service, attending a seminar, or referring friends to a favorite business.
Schedule permitting, Richard takes on new copywriting clients who do not want a complete "marketing makeover." If you just want Richard to write the copy for a new advertisement, brochure, website, sales letter, etc. then contact Richard for information regarding his copywriting services.
Past copywriting projects have included:
Sales Letters
Display ads including Yellow Pages ads
Websites
E-mail campaigns
Client newsletters
Postcards
Marketing White Papers
Help wanted ads
Fundraising letters
TV and radio commercial scripts
Contact Richard to get more information about any of these copywriting services.
He can also help you rent a mailing list so you can target your prospecting at the "better buyers" in your market.
Once the copywriting process is complete, Richard's graphic designer will give your marketing piece that finished look which really gets attention.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Copywriting That Gets Results
If you are looking for a "virtual" VP of Marketing then take a look at Richard's Advisor Marketing Makeover program. Learn how Richard Emmons can perform a systematic consulting approach to grow your practice.
As part of the consulting process, Richard writes the "copy" or sales message which appears in his clients' brochures, website, sales letters, and other marketing materials.
Copywriting has been defined as "salesmanship in print." The goal of powerful, persuasive copywriting is to get people to "take action." This can include buying a product or service, attending a seminar, or referring friends to a favorite business.
Schedule permitting, Richard takes on new copywriting clients who do not want a complete "marketing makeover." If you just want Richard to write the copy for a new advertisement, brochure, website, sales letter, etc. then contact Richard for information regarding his copywriting services.
Past copywriting projects have included:
Sales Letters
Display ads including Yellow Pages ads
Websites
E-mail campaigns
Client newsletters
Postcards
Marketing White Papers
Help wanted ads
Fundraising letters
TV and radio commercial scripts
Contact Richard to get more information about any of these copywriting services.
He can also help you rent a mailing list so you can target your prospecting at the "better buyers" in your market.
Once the copywriting process is complete, Richard's graphic designer will give your marketing piece that finished look which really gets attention.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Copywriting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Copywriting
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 710-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 710-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 15:40:45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-17 15:40:45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 22:40:45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-17 22:40:45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 710
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 710
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/710-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/710-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 730
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 730
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-17 22:40:59
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-18 05:40:59
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-18 05:40:59
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons discusses the importance of "reading your audience" to know when someone doesn't "get it" so you can explain the concept again. Anyone left behind in the presentation is much less likely to sign up for a first appointment.
http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons discusses the importance of "reading your audience" to know when someone doesn't "get it" so you can explain the concept again. Anyone left behind in the presentation is much less likely to sign up for a first appointment.
http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Seminar Success By Reading Your Audience
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Seminar Success By Reading Your Audience
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons discusses the importance of "reading your audience" to know when someone doesn't "get it" so you can explain the concept again. Anyone left behind in the presentation is much less likely to sign up for a first appointment.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons discusses the importance of "reading your audience" to know when someone doesn't "get it" so you can explain the concept again. Anyone left behind in the presentation is much less likely to sign up for a first appointment.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: seminar-success-by-reading-your-audience
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-17 22:40:59
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-18 05:40:59
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=730
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=730
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-17 22:36:13
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-18 05:36:13
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-18 05:36:13
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons discusses the importance of "reading your audience" to know when someone doesn't "get it" so you can explain the concept again. Anyone left behind in the presentation is much less likely to sign up for a first appointment.
http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons discusses the importance of "reading your audience" to know when someone doesn't "get it" so you can explain the concept again. Anyone left behind in the presentation is much less likely to sign up for a first appointment.
http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Seminar Success By Reading Your Audience
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Seminar Success By Reading Your Audience
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 730-revision-2
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-18 05:37:58
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 730
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 730
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/730-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/730-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-17 22:38:06
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-18 05:38:06
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-18 05:38:06
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons discusses the importance of "reading your audience" to know when someone doesn't "get it" so you can explain the concept again. Anyone left behind in the presentation is much less likely to sign up for a first appointment.
http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons discusses the importance of "reading your audience" to know when someone doesn't "get it" so you can explain the concept again. Anyone left behind in the presentation is much less likely to sign up for a first appointment.
http://www.MyLivingTrustSeminar.com.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Seminar Success By Reading Your Audience
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Seminar Success By Reading Your Audience
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-17 22:38:06
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-18 05:38:06
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 730
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 730
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/730-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/730-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:48:01
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This past Tax Day, I was interviewed by Jobie Summer , CFP® of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the Family Living Trust Seminar website.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This past Tax Day, I was interviewed by Jobie Summer , CFP® of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the Family Living Trust Seminar website.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This past Tax Day, Richard Emmons was interviewed by Jobie Summer, CFP® of Resources For Advisors about the Family Living Trust Seminar system. In this 40 minute interview, Richard explained why he created this system, how it helps advisors grow their practices,...
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This past Tax Day, Richard Emmons was interviewed by Jobie Summer, CFP® of Resources For Advisors about the Family Living Trust Seminar system. In this 40 minute interview, Richard explained why he created this system, how it helps advisors grow their practices,...
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-07 13:03:05
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-07 20:03:05
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=734
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=734
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 735
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 735
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:16:40
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-20 03:16:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:16:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This past Tax Day, I was interviewed by Jobie Summer of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
What are Family Living Trust Seminars by definition?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This past Tax Day, I was interviewed by Jobie Summer of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
What are Family Living Trust Seminars by definition?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734-revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734-revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:16:40
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-20 03:16:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:16:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/734-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/734-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 736
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 736
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:17:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-19 20:17:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-20 03:17:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:17:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This past Tax Day, I was interviewed by Jobie Summer of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
What are Family Living Trust Seminars by definition?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This past Tax Day, I was interviewed by Jobie Summer of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
What are Family Living Trust Seminars by definition?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:17:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-19 20:17:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-20 03:17:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:17:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/734-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/734-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 737
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 737
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:18:02
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:18:02
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This past Tax Day, I was interviewed by Jobie Summer of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
What are Family Living Trust Seminars by definition?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This past Tax Day, I was interviewed by Jobie Summer of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
What are Family Living Trust Seminars by definition?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:18:02
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-19 20:18:02
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-20 03:18:02
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:18:02
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/734-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/734-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 738
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:18:25
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:18:25
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This past Tax Day, I was interviewed by Jobie Summer of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
What are Family Living Trust Seminars by definition?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This past Tax Day, I was interviewed by Jobie Summer of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
What are Family Living Trust Seminars by definition?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:18:25
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-19 20:18:25
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-20 03:18:25
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:18:25
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/734-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/734-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 739
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 739
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:45:32
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-19 20:45:32
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-20 03:45:32
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:45:32
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This past Tax Day, I was interviewed by Jobie Summer, CFP® of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
What are Family Living Trust Seminars by definition?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the Family Living Trust Seminar website and clicking the play button on the right side.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This past Tax Day, I was interviewed by Jobie Summer, CFP® of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
What are Family Living Trust Seminars by definition?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the Family Living Trust Seminar website and clicking the play button on the right side.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734-revision-5
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734-revision-5
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:45:32
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-20 03:45:32
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:45:32
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/734-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/734-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 741
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:46:33
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-19 20:46:33
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-20 03:46:33
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:46:33
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This past Tax Day, I was interviewed by Jobie Summer, CFP® of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the Family Living Trust Seminar website and clicking the play button on the right side.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This past Tax Day, I was interviewed by Jobie Summer, CFP® of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the Family Living Trust Seminar website and clicking the play button on the right side.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734-revision-7
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734-revision-7
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:46:33
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-19 20:46:33
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-20 03:46:33
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:46:33
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/734-revision-7/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/734-revision-7/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 740
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 740
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:45:45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-19 20:45:45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-20 03:45:45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:45:45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This past Tax Day, I was interviewed by Jobie Summer, CFP® of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
What are Family Living Trust Seminars by definition?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the Family Living Trust Seminar website and clicking the play button on the right side.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This past Tax Day, I was interviewed by Jobie Summer, CFP® of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
What are Family Living Trust Seminars by definition?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the Family Living Trust Seminar website and clicking the play button on the right side.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734-revision-6
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734-revision-6
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:45:45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-19 20:45:45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-20 03:45:45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:45:45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/734-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/734-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:47:46
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:47:46
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This past Tax Day, I was interviewed by Jobie Summer, CFP® of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the Family Living Trust Seminar website and clicking the play button on the right side bar.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This past Tax Day, I was interviewed by Jobie Summer, CFP® of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the Family Living Trust Seminar website and clicking the play button on the right side bar.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734-revision-8
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734-revision-8
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:47:46
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-19 20:47:46
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-20 03:47:46
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:47:46
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/734-revision-8/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/734-revision-8/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 743
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-07 13:00:22
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-07 20:00:22
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This past Tax Day, I was interviewed by Jobie Summer , CFP® of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the Family Living Trust Seminar website.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This past Tax Day, I was interviewed by Jobie Summer , CFP® of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the Family Living Trust Seminar website.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-07 13:00:22
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-07 13:00:22
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-07 20:00:22
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-07 20:00:22
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/734-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/734-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 744
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 744
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-22 21:14:23
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-22 21:14:23
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-23 04:14:23
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-23 04:14:23
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons discusses setting the major goal for your seminars. Not what's in it for you, but rather what's in it for your audience. If you give them what they want you're most likely to get what you want. For more seminar marketing ideas go to http://www.MyLivingTrustSeminar.com.
http://www.MyLivingTrustSeminar.com.
http://www.MyLivingTrustSeminar.com.
http://www.MyLivingTrustSeminar.com.
http://www.MyLivingTrustSeminar.com.
http://www.MyLivingTrustSeminar.com.
http://www.MyLivingTrustSeminar.com.
http://www.MyLivingTrustSeminar.com.
http://www.MyLivingTrustSeminar.com.
http://www.MyLivingTrustSeminar.com.
http://www.MyLivingTrustSeminar.com.
http://www.MyLivingTrustSeminar.com.
http://www.MyLivingTrustSeminar.com.
http://www.MyLivingTrustSeminar.com.
http://www.MyLivingTrustSeminar.com.
http://www.MyLivingTrustSeminar.com.
interviewed by Jobie Summer, CFP® of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the Family Living Trust Seminar website and clicking the play button on the right side bar.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This past Tax Day, I was interviewed by Jobie Summer, CFP® of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the Family Living Trust Seminar website and clicking the play button on the right side bar.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734-revision-9
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734-revision-9
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-19 20:48:01
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-19 20:48:01
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-20 03:48:01
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-20 03:48:01
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 734
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/734-revision-9/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/734-revision-9/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
I found this story on www.DrudgeReport.com which had 27,027,155 visits in the past 24 hours. So it was seen by many, many people who never would have looked at the New York Daily News. So this is fabulous publicity for a product many say is an expensive toy.
Who knows maybe the Tea Party activitists will use the iPad as a symbol of limited government...who needs fancy offices when a Prime Minister can run the government from an airport waiting area?
The Drudge Report also linked to this story: School-issued laptops took thousands of secret images... Buried down deep in the story the reporter mentioned that the laptop in question is an Apple MacBook. Thankfully for Apple's sake, it wasn't mentioned in the headline.
So look for ways to publicize your products and services by linking them with current news. And you just might land on the Drudge Report!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
I found this story on www.DrudgeReport.com which had 27,027,155 visits in the past 24 hours. So it was seen by many, many people who never would have looked at the New York Daily News. So this is fabulous publicity for a product many say is an expensive toy.
Who knows maybe the Tea Party activitists will use the iPad as a symbol of limited government...who needs fancy offices when a Prime Minister can run the government from an airport waiting area?
The Drudge Report also linked to this story: School-issued laptops took thousands of secret images... Buried down deep in the story the reporter mentioned that the laptop in question is an Apple MacBook. Thankfully for Apple's sake, it wasn't mentioned in the headline.
So look for ways to publicize your products and services by linking them with current news. And you just might land on the Drudge Report!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Apple's new iPad got millions of dollars in free publicity yesterday when the New York Daily News reported that the Prime Minister of Norway was running his government with his iPad. Likes thousands of people, he was stuck in a New York airport because the Icelandic volcanic ash made travel to Europe impossible.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Apple's new iPad got millions of dollars in free publicity yesterday when the New York Daily News reported that the Prime Minister of Norway was running his government with his iPad. Likes thousands of people, he was stuck in a New York airport because the Icelandic volcanic ash made travel to Europe impossible.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713-revision-11
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 713-revision-11
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-16 17:51:13
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/713-revision-11/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/713-revision-11/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-22 21:19:13
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-23 04:19:13
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-04-23 04:19:13
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
I found this story on www.DrudgeReport.com which had 27,027,155 visits in the past 24 hours. So it was seen by many, many people who never would have looked at the New York Daily News. So this is fabulous publicity for a product many say is an expensive toy.
Who knows maybe the Tea Party activitists will use the iPad as a symbol of limited government...who needs fancy offices when a Prime Minister can run the government from an airport waiting area?
The Drudge Report also linked to this story: School-issued laptops took thousands of secret images... Buried down deep in the story the reporter mentioned that the laptop in question is an Apple MacBook. Thankfully for Apple's sake, it wasn't mentioned in the headline.
So look for ways to publicize your products and services by linking them with current news. And you just might land on the Drudge Report!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Volcanic ash from Iceland strands Norway's prime minister in NYC airport, so he governs via iPad
Read the rest of the story
I found this story on www.DrudgeReport.com which had 27,027,155 visits in the past 24 hours. So it was seen by many, many people who never would have looked at the New York Daily News. So this is fabulous publicity for a product many say is an expensive toy.
Who knows maybe the Tea Party activitists will use the iPad as a symbol of limited government...who needs fancy offices when a Prime Minister can run the government from an airport waiting area?
The Drudge Report also linked to this story: School-issued laptops took thousands of secret images... Buried down deep in the story the reporter mentioned that the laptop in question is an Apple MacBook. Thankfully for Apple's sake, it wasn't mentioned in the headline.
So look for ways to publicize your products and services by linking them with current news. And you just might land on the Drudge Report!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Free Publicity Case Study: Volcano Helps Apple's iPad
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Apple's new iPad got millions of dollars in free publicity yesterday when the New York Daily News reported that the Prime Minister of Norway was running his government with his iPad. Likes thousands of people, he was stuck in a New York airport because the Icelandic volcanic ash made travel to Europe impossible.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Apple's new iPad got millions of dollars in free publicity yesterday when the New York Daily News reported that the Prime Minister of Norway was running his government with his iPad. Likes thousands of people, he was stuck in a New York airport because the Icelandic volcanic ash made travel to Europe impossible.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/713-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/713-autosave/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Senior Times .” Over time, you'll attract new prospects and assure existing clients that you're an expert in your field.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Senior Times .” Over time, you'll attract new prospects and assure existing clients that you're an expert in your field.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing By Writing Articles In Your Local Newspaper
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing By Writing Articles In Your Local Newspaper
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You build a lot of credibility writing articles for local publications. Many publications are hungry for quality content that their readers will read. When you have this opportunity, you get chance to get in front of hundreds or even thousands of qualified prospects. You demonstrate your expertise and build credibility over time. Plus people can get to know you over time as you blend in personal stories which bring investment and economic principles to life.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You build a lot of credibility writing articles for local publications. Many publications are hungry for quality content that their readers will read. When you have this opportunity, you get chance to get in front of hundreds or even thousands of qualified prospects. You demonstrate your expertise and build credibility over time. Plus people can get to know you over time as you blend in personal stories which bring investment and economic principles to life.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=755
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=755
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-26 17:07:47
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You build a lot of credibility writing articles for local publications. Many publications are hungry for quality content that their readers will read. When you have this opportunity, you get chance to get in front of hundreds or even thousands of qualified prospects. You demonstrate your expertise and build credibility over time. Plus people can get to know you over time as you blend in personal stories which bring investment and economic principles to life.
So where should you look? First look at your local newspaper. Depending on the size of your area, your paper may or may not have an investment writer. Is there a financial columnist? If not, call the editor and ask to set up a meeting to discuss the possibility. If there’s already a columnist, do you offer a different perspective? Maybe there’s room for a second columnist who offers a different investment philosophy. Or just focuses on pre-retirees and retirees.
Should you expect to get paid something? Probably not unless it’s a large and successful publication and they can afford it. You don’t really care because you’re getting free advertising in a format with much more credibility than a paid ad.
How should you prepare for meeting the editor? Of course you need to bring in a package of your marketing materials so he can learn a bit about you. You need to have a few columns already so the editor can judge your writing ability.
How should you write? You must write in a lively, engaging, and informative way because a boring column won’t get read. My number one suggestion in this area, is to write the way you talk. Remember you’re writing to individual readers not a classroom. Don’t use industry jargon, help readers understand industry jargon and improve their investment and planning abilities.
So what should you write about? Let’s assume you’ve been asked to write a weekly column. How could you possibly fill 52 weeks of columns? There are lots of ways. First, you could request that readers email their questions to you. You could answer reader questions every other week so that would fill 26 weeks. You could write a series of columns on “The 7 Most Common Retirement Planning Mistakes and How To Avoid Them.” This gets you down to 19 weeks left. You write one column per quarter on taxes which gets you down to 15 weeks. One column per month could be an economic and investment update. You only need 3 columns to fill out the year. You could do a column on retirement resolutions in January, a Financial Independence column in July, and a “Back To School” column every September on the importance of saving for your children’s college education. And you’d have 52 opportunities to get in front of prospective clients and build your reputation as knowledgeable, plain-spoken, and down-to-earth.
What if you can’t get a column in your local paper? Look at the various “Senior Times” publications in your area along with regional magazines. Any publication will allow you to promote yourself as the “retirement columnist for the St. Louis Dispatch newspaper.”
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You build a lot of credibility writing articles for local publications. Many publications are hungry for quality content that their readers will read. When you have this opportunity, you get chance to get in front of hundreds or even thousands of qualified prospects. You demonstrate your expertise and build credibility over time. Plus people can get to know you over time as you blend in personal stories which bring investment and economic principles to life.
So where should you look? First look at your local newspaper. Depending on the size of your area, your paper may or may not have an investment writer. Is there a financial columnist? If not, call the editor and ask to set up a meeting to discuss the possibility. If there’s already a columnist, do you offer a different perspective? Maybe there’s room for a second columnist who offers a different investment philosophy. Or just focuses on pre-retirees and retirees.
Should you expect to get paid something? Probably not unless it’s a large and successful publication and they can afford it. You don’t really care because you’re getting free advertising in a format with much more credibility than a paid ad.
How should you prepare for meeting the editor? Of course you need to bring in a package of your marketing materials so he can learn a bit about you. You need to have a few columns already so the editor can judge your writing ability.
How should you write? You must write in a lively, engaging, and informative way because a boring column won’t get read. My number one suggestion in this area, is to write the way you talk. Remember you’re writing to individual readers not a classroom. Don’t use industry jargon, help readers understand industry jargon and improve their investment and planning abilities.
So what should you write about? Let’s assume you’ve been asked to write a weekly column. How could you possibly fill 52 weeks of columns? There are lots of ways. First, you could request that readers email their questions to you. You could answer reader questions every other week so that would fill 26 weeks. You could write a series of columns on “The 7 Most Common Retirement Planning Mistakes and How To Avoid Them.” This gets you down to 19 weeks left. You write one column per quarter on taxes which gets you down to 15 weeks. One column per month could be an economic and investment update. You only need 3 columns to fill out the year. You could do a column on retirement resolutions in January, a Financial Independence column in July, and a “Back To School” column every September on the importance of saving for your children’s college education. And you’d have 52 opportunities to get in front of prospective clients and build your reputation as knowledgeable, plain-spoken, and down-to-earth.
What if you can’t get a column in your local paper? Look at the various “Senior Times” publications in your area along with regional magazines. Any publication will allow you to promote yourself as the “retirement columnist for the St. Louis Dispatch newspaper.”
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing By Writing Articles In Your Local Newspaper
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing By Writing Articles In Your Local Newspaper
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/755-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/755-revision/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/Senior-Times-Cover.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/Senior-Times-Cover.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You build a lot of credibility writing articles for local publications. Many publications are hungry for quality content that their readers will read. When you have this opportunity, you get chance to get in front of hundreds or even thousands of qualified prospects. You demonstrate your expertise and build credibility over time. Plus people can get to know you over time as you blend in personal stories which bring investment and economic principles to life.
So where should you look? First look at your local newspaper. Depending on the size of your area, your paper may or may not have an investment writer. Is there a financial columnist? If not, call the editor and ask to set up a meeting to discuss the possibility. If there’s already a columnist, do you offer a different perspective? Maybe there’s room for a second columnist who offers a different investment philosophy. Or just focuses on pre-retirees and retirees.
Should you expect to get paid something? Probably not unless it’s a large and successful publication and they can afford it. You don’t really care because you’re getting free advertising in a format with much more credibility than a paid ad.
How should you prepare for meeting the editor? Of course you need to bring in a package of your marketing materials so he can learn a bit about you. You need to have a few columns already so the editor can judge your writing ability.
How should you write? You must write in a lively, engaging, and informative way because a boring column won’t get read. My number one suggestion in this area, is to write the way you talk. Remember you’re writing to individual readers not a classroom. Don’t use industry jargon, help readers understand industry jargon and improve their investment and planning abilities.
So what should you write about? Let’s assume you’ve been asked to write a weekly column. How could you possibly fill 52 weeks of columns? There are lots of ways. First, you request readers email their questions to you. You answer reader questions every other week to fill fill 26 weeks. You write a seven-part series on “The 7 Most Common Retirement Planning Mistakes and How To Avoid Them.” This gets you down to 19 weeks left. You write one column per quarter on taxes which gets you down to 15 weeks. One column per month would be an economic and investment update. You only need 3 columns to fill out the year. You could do a column on "Retirement Resolutions" in January, a "Financial Independence" column in July, and a “Back To School” column every September on the importance of saving for your children’s college education. And you’d have 52 opportunities to get in front of prospective clients and build your reputation as knowledgeable, plain-spoken, and down-to-earth.
What if you can’t get a column in your local paper? Look at the various “Senior Times” publications in your area along with regional magazines. Any publication will allow you to promote yourself as the “retirement columnist for the St. Louis Dispatch newspaper.” And this credibility will help you attract new prospects as well as assure existing clients that you're an expert in your field.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You build a lot of credibility writing articles for local publications. Many publications are hungry for quality content that their readers will read. When you have this opportunity, you get chance to get in front of hundreds or even thousands of qualified prospects. You demonstrate your expertise and build credibility over time. Plus people can get to know you over time as you blend in personal stories which bring investment and economic principles to life.
So where should you look? First look at your local newspaper. Depending on the size of your area, your paper may or may not have an investment writer. Is there a financial columnist? If not, call the editor and ask to set up a meeting to discuss the possibility. If there’s already a columnist, do you offer a different perspective? Maybe there’s room for a second columnist who offers a different investment philosophy. Or just focuses on pre-retirees and retirees.
Should you expect to get paid something? Probably not unless it’s a large and successful publication and they can afford it. You don’t really care because you’re getting free advertising in a format with much more credibility than a paid ad.
How should you prepare for meeting the editor? Of course you need to bring in a package of your marketing materials so he can learn a bit about you. You need to have a few columns already so the editor can judge your writing ability.
How should you write? You must write in a lively, engaging, and informative way because a boring column won’t get read. My number one suggestion in this area, is to write the way you talk. Remember you’re writing to individual readers not a classroom. Don’t use industry jargon, help readers understand industry jargon and improve their investment and planning abilities.
So what should you write about? Let’s assume you’ve been asked to write a weekly column. How could you possibly fill 52 weeks of columns? There are lots of ways. First, you request readers email their questions to you. You answer reader questions every other week to fill fill 26 weeks. You write a seven-part series on “The 7 Most Common Retirement Planning Mistakes and How To Avoid Them.” This gets you down to 19 weeks left. You write one column per quarter on taxes which gets you down to 15 weeks. One column per month would be an economic and investment update. You only need 3 columns to fill out the year. You could do a column on "Retirement Resolutions" in January, a "Financial Independence" column in July, and a “Back To School” column every September on the importance of saving for your children’s college education. And you’d have 52 opportunities to get in front of prospective clients and build your reputation as knowledgeable, plain-spoken, and down-to-earth.
What if you can’t get a column in your local paper? Look at the various “Senior Times” publications in your area along with regional magazines. Any publication will allow you to promote yourself as the “retirement columnist for the St. Louis Dispatch newspaper.” And this credibility will help you attract new prospects as well as assure existing clients that you're an expert in your field.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing By Writing Articles In Your Local Newspaper
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing By Writing Articles In Your Local Newspaper
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/755-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/755-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-26 17:17:21
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Senior Times .” Over time, you'll attract new prospects and assure existing clients that you're an expert in your field.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Senior Times .” Over time, you'll attract new prospects and assure existing clients that you're an expert in your field.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing By Writing Articles In Your Local Newspaper
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing By Writing Articles In Your Local Newspaper
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 755-revision-5
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 755
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/755-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/755-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: St. Louis Dispatch newspaper.” And this credibility will help you attract new prospects as well as assure existing clients that you're an expert in your field.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: St. Louis Dispatch newspaper.” And this credibility will help you attract new prospects as well as assure existing clients that you're an expert in your field.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing By Writing Articles In Your Local Newspaper
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing By Writing Articles In Your Local Newspaper
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/755-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/755-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: St. Louis Dispatch newspaper.” And this credibility will help you attract new prospects as well as assure existing clients that you're an expert in your field.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: St. Louis Dispatch newspaper.” And this credibility will help you attract new prospects as well as assure existing clients that you're an expert in your field.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing By Writing Articles In Your Local Newspaper
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing By Writing Articles In Your Local Newspaper
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/755-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/755-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Senior Times .” Over time, you'll attract new prospects and assure existing clients that you're an expert in your field.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Senior Times .” Over time, you'll attract new prospects and assure existing clients that you're an expert in your field.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing By Writing Articles In Your Local Newspaper
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing By Writing Articles In Your Local Newspaper
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You build a lot of credibility writing articles for local publications. Many publications are hungry for quality content that their readers will read. When you have this opportunity, you get chance to get in front of hundreds or even thousands of qualified prospects. You demonstrate your expertise and build credibility over time. Plus people can get to know you over time as you blend in personal stories which bring investment and economic principles to life.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You build a lot of credibility writing articles for local publications. Many publications are hungry for quality content that their readers will read. When you have this opportunity, you get chance to get in front of hundreds or even thousands of qualified prospects. You demonstrate your expertise and build credibility over time. Plus people can get to know you over time as you blend in personal stories which bring investment and economic principles to life.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/755-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/755-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-04-26 17:23:14
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Senior Times .” Over time, you'll attract new prospects and assure existing clients that you're an expert in your field.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Senior Times .” Over time, you'll attract new prospects and assure existing clients that you're an expert in your field.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing By Writing Articles In Your Local Newspaper
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing By Writing Articles In Your Local Newspaper
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You build a lot of credibility writing articles for local publications. Many publications are hungry for quality content that their readers will read. When you have this opportunity, you get chance to get in front of hundreds or even thousands of qualified prospects. You demonstrate your expertise and build credibility over time. Plus people can get to know you over time as you blend in personal stories which bring investment and economic principles to life.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You build a lot of credibility writing articles for local publications. Many publications are hungry for quality content that their readers will read. When you have this opportunity, you get chance to get in front of hundreds or even thousands of qualified prospects. You demonstrate your expertise and build credibility over time. Plus people can get to know you over time as you blend in personal stories which bring investment and economic principles to life.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 755-autosave
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/755-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/755-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-01 16:52:13
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You'll be more relaxed and do a better seminar when you use a check off list for your event.
Before your event, make a list of everything you'll need for your event. This can include items for your literature table such as brochures and business cards. You'll have equipment like your laptop computer, your pointer, and your projector. How about an extension cord? You'll also want things near you at the podium such as a glass of water and a pad and paper to take notes.
During your event, jot down items you wish you had so you'll remember to bring them the next time. After the event, update your list so you'll be a bit better prepared the next time.
www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You can get more folks to your seminar with free bonuses. These bonuses can include autographed copies of your book or a free initial consultation with an estate planning attorney or a tax analysis or a portfolio review. Even the offer of free door prizes can help build attendance.
www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Increase Seminar Attendance With Free Bonuses
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Increase Seminar Attendance With Free Bonuses
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You can get more folks to your seminar with free bonuses. These bonuses can include autographed copies of your book or a free initial consultation with an estate planning attorney or a tax analysis or a portfolio review.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You can get more folks to your seminar with free bonuses. These bonuses can include autographed copies of your book or a free initial consultation with an estate planning attorney or a tax analysis or a portfolio review.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=772
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=772
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 773
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-07 00:09:58
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You can get more folks to your seminar with free bonuses. These bonuses can include autographed copies of your book or a free initial consultation with an estate planning attorney or a tax analysis or a portfolio review.Even
www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You can get more folks to your seminar with free bonuses. These bonuses can include autographed copies of your book or a free initial consultation with an estate planning attorney or a tax analysis or a portfolio review. Even the offer of free door prizes can help build attendance.
www.MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Increase Seminar Attendance With Free Bonuses
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Increase Seminar Attendance With Free Bonuses
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You can get more folks to your seminar with free bonuses. These bonuses can include autographed copies of your book or a free initial consultation with an estate planning attorney or a tax analysis or a portfolio review.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You can get more folks to your seminar with free bonuses. These bonuses can include autographed copies of your book or a free initial consultation with an estate planning attorney or a tax analysis or a portfolio review.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 772-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 772-autosave
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-07 00:14:40
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-07 07:14:40
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 772
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/772-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/772-autosave/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This past Tax Day, I was interviewed by Jobie Summer, CFP® of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the Family Living Trust Seminar website and clicking the play button on the right side bar.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This past Tax Day, I was interviewed by Jobie Summer, CFP® of Resources For Advisors about the Family Living Trust Seminar system. Her questions included:
Why are Family Living Trust Seminars so important for our listeners to achieve greater success?
Why did you create the Family Living Trust Seminar system?
How do advisors typically get started with Living Trust Seminars on a step by step basis?
Why do you need to "coach" the estate planning attorney?
What if any of our advisors got started today with Family Living Trust Seminars what would their life look like in say, 30 days? 90 days? 1 year?
What are the specific roadblocks that typically prevent advisors from getting started?
What are the specific strategies that are like keys to unlock “roadblock doors” to achieve wild success?
What’s the first action step you’d want an advisor to take to get started with Family Living Trust Seminars?
You can listen to the interview by going to the Family Living Trust Seminar website and clicking the play button on the right side bar.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons Interviewed About Living Trust Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons Interviewed About Living Trust Seminars
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/734-revision-10/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/734-revision-10/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 778
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: In this short video, Richard Emmons discusses why advisors need to get a website today. Even a basic website allows prospects to find you. Can you imagine not being in the telephone book? You can always improve your website later. For now get something up so people can find you. And not your competitors!
For more information on getting a website as part of a systematic marketing program go to http://www.AdvisorMarketingMakeover.com.
http://www.AdvisorMarketingMakeover.com.
http://www.AdvisorMarketingMakeover.com.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard Emmons discusses why advisors need to get a website today. Even a basic website allows prospects to find you. Can you imagine not being in the telephone book? You can always improve your website later. For now get something up so people can find you. For more information on getting a website as part of a systematic marketing program go to http://www.AdvisorMarketingMakeover.com.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Get a Website For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Get a Website For Advisor Marketing Success
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/778-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/778-revision/
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-13 16:49:00
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard Emmons discusses why advisors need to get a website today. Even a basic website allows prospects to find you. Can you imagine not being in the telephone book? You can always improve your website later. For now get something up so people can find you.
For more information on getting a website as part of a systematic marketing program go to http://www.AdvisorMarketingMakeover.com.
http://www.AdvisorMarketingMakeover.com.
“Bob answers my questions patiently so I always understand what I’m investing in and why.”
“Bob got me out of the stock market 3 weeks before the crash!”
“Bob showed my why working for 2 more years would add 10 more years of retirement income!”
“Bob invests my money for my best benefit and not to maximize his commissions.”
“Since moving my money to Bob, I’ve averaged 17% per year and never had a losing year regardless of the stock market.”
What does this have to do with a client appreciation dinner? Your invitation to your clients should encourage them to bring another couple with them to enjoy the evening. Generally speaking, Someone’s social circle usually include people in a similar economic situation. People who live in expensive neighborhoods have neighbors who need a qualified financial advisor. Like you.
During the event you allow a time for people to say nice things about you. You tell a few close clients about this ahead of time so they come prepared to wax eloquent about you. Others will get the idea and you'll be praised and (perhaps a bit roasted) by people who appreciate what you've done for them.
All the prospects will learn about you in a fun, relaxing environment. You leverage your time by building chemistry with lots of folks at the same time.
When should you hold this event? This depends on where you live and who your targeted clientele is. However, there are 2 main times. You can hold a BBQ for families in the Summer or a dinner in December.
You want to make the event nice and worth the time of your clients and their friends. Don’t go cheap on the food or the place because you only have one chance to make a good first impression with your prospective clients.
Consider having a well-know guest speaker for the event. Limit their talk to about 20 minutes maximum because it is a party after all. And encourage your guests to speak with him during the event.
Your event could follow a program like this:
Welcome and words of appreciation. (You)
Dinner served
Guest speaker talk during dessert
Words of appreciation by your clients
Your look ahead to the upcoming year.
Informal social time to meet one another and speak to the guest speaker.
When you hold your client appreciation dinner in December, you thank your clients for their business, make them feel appreciated and connect with their friends and relatives. Do it right and you’ll have a very busy January and February!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: “Bob answers my questions patiently so I always understand what I’m investing in and why.”
“Bob got me out of the stock market 3 weeks before the crash!”
“Bob showed my why working for 2 more years would add 10 more years of retirement income!”
“Bob invests my money for my best benefit and not to maximize his commissions.”
“Since moving my money to Bob, I’ve averaged 17% per year and never had a losing year regardless of the stock market.”
What does this have to do with a client appreciation dinner? Your invitation to your clients should encourage them to bring another couple with them to enjoy the evening. Generally speaking, Someone’s social circle usually include people in a similar economic situation. People who live in expensive neighborhoods have neighbors who need a qualified financial advisor. Like you.
During the event you allow a time for people to say nice things about you. You tell a few close clients about this ahead of time so they come prepared to wax eloquent about you. Others will get the idea and you'll be praised and (perhaps a bit roasted) by people who appreciate what you've done for them.
All the prospects will learn about you in a fun, relaxing environment. You leverage your time by building chemistry with lots of folks at the same time.
When should you hold this event? This depends on where you live and who your targeted clientele is. However, there are 2 main times. You can hold a BBQ for families in the Summer or a dinner in December.
You want to make the event nice and worth the time of your clients and their friends. Don’t go cheap on the food or the place because you only have one chance to make a good first impression with your prospective clients.
Consider having a well-know guest speaker for the event. Limit their talk to about 20 minutes maximum because it is a party after all. And encourage your guests to speak with him during the event.
Your event could follow a program like this:
Welcome and words of appreciation. (You)
Dinner served
Guest speaker talk during dessert
Words of appreciation by your clients
Your look ahead to the upcoming year.
Informal social time to meet one another and speak to the guest speaker.
When you hold your client appreciation dinner in December, you thank your clients for their business, make them feel appreciated and connect with their friends and relatives. Do it right and you’ll have a very busy January and February!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Client Appreciation Dinners for Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Client Appreciation Dinners for Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Feeling neglected is the #1 reason people leave one company for another. Not price. Not service quality No Product features. Everyone wants to feel appreciated and remembered. Hosting an annual client appreciation dinner makes your clients feel appreciated and reminds people why they do business with you.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Feeling neglected is the #1 reason people leave one company for another. Not price. Not service quality No Product features. Everyone wants to feel appreciated and remembered. Hosting an annual client appreciation dinner makes your clients feel appreciated and reminds people why they do business with you.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: client-appreciation-dinners-advisor-marketing-success
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:35:10
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=781
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=781
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 12:08:40
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:08:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 19:08:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Feeling neglected is the #1 reason people leave one company for another. Not price. Not service quality No Product features. Everyone wants to feel appreciated and remembered. Hosting an annual client appreciation dinner makes your clients feel appreciated and reminds people why they do business with you.
Client appreciation dinners can help you build your practice as well. FINRA prohibits financial advisors from advertising a list of clients or using client testimonials. You lose a powerful tool for promoting your practice and proving your expertise.
Imagine adding these quotes to your website:
“Bob answers my questions patiently so I always understand what I’m investing in and why.”
“Bob got me out of the stock market 3 weeks before the crash!”
“Bob showed my why working for 2 more years would add 10 more years of retirement income!”
“Bob invests my money for my best benefit and not to maximize his commissions.”
“Since moving my money to Bob, I’ve averaged 17% per year and never had a losing year regardless of the stock market.”
What does this have to do with a client appreciation dinner? Your invitation to your clients should encourage them to bring another couple with them to enjoy the evening. Generally speaking, people’s social circles usually include people in the same economic situation. People who live in expensive neighborhoods have neighbors who need a qualified financial advisor. Like you.
During the event you allow a time for people to say nice things about you. You tell a few close clients about this ahead of time so they come prepared to wax eloquent about you. Others will get the idea and you'll be praised and (perhaps a bit roasted) by people who appreciate what you've done for them.
All the prospects will learn about you in a fun, relaxing environment. You leverage your time by building chemistry with lots of folks at the same time.
When should you hold this event? This depends on where you live and who your targeted clientele is. However, there are 2 main times. You can hold a BBQ for families in the Summer or a dinner in December.
You want to make the event nice and worth the time of your clients and their friends. Don’t go cheap on the food or the place because you only have one chance to make a good first impression with your prospective clients.
Consider having a well-know guest speaker for the event. Limit their talk to about 20 minutes maximum because it is a party after all. And encourage your guests to speak with him during the event.
Your event could follow a program like this:
Welcome and words of appreciation. (You)
Dinner served
Guest speaker talk during dessert
Words of appreciation by your clients
Your look ahead to the upcoming year.
Informal social time to meet one another and speak to the guest speaker.
When you hold your client appreciation dinner in December, you thank your clients for their business, make them feel appreciated and connect with their friends and relatives. Do it right and you’ll have a very busy January and February!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Feeling neglected is the #1 reason people leave one company for another. Not price. Not service quality No Product features. Everyone wants to feel appreciated and remembered. Hosting an annual client appreciation dinner makes your clients feel appreciated and reminds people why they do business with you.
Client appreciation dinners can help you build your practice as well. FINRA prohibits financial advisors from advertising a list of clients or using client testimonials. You lose a powerful tool for promoting your practice and proving your expertise.
Imagine adding these quotes to your website:
“Bob answers my questions patiently so I always understand what I’m investing in and why.”
“Bob got me out of the stock market 3 weeks before the crash!”
“Bob showed my why working for 2 more years would add 10 more years of retirement income!”
“Bob invests my money for my best benefit and not to maximize his commissions.”
“Since moving my money to Bob, I’ve averaged 17% per year and never had a losing year regardless of the stock market.”
What does this have to do with a client appreciation dinner? Your invitation to your clients should encourage them to bring another couple with them to enjoy the evening. Generally speaking, people’s social circles usually include people in the same economic situation. People who live in expensive neighborhoods have neighbors who need a qualified financial advisor. Like you.
During the event you allow a time for people to say nice things about you. You tell a few close clients about this ahead of time so they come prepared to wax eloquent about you. Others will get the idea and you'll be praised and (perhaps a bit roasted) by people who appreciate what you've done for them.
All the prospects will learn about you in a fun, relaxing environment. You leverage your time by building chemistry with lots of folks at the same time.
When should you hold this event? This depends on where you live and who your targeted clientele is. However, there are 2 main times. You can hold a BBQ for families in the Summer or a dinner in December.
You want to make the event nice and worth the time of your clients and their friends. Don’t go cheap on the food or the place because you only have one chance to make a good first impression with your prospective clients.
Consider having a well-know guest speaker for the event. Limit their talk to about 20 minutes maximum because it is a party after all. And encourage your guests to speak with him during the event.
Your event could follow a program like this:
Welcome and words of appreciation. (You)
Dinner served
Guest speaker talk during dessert
Words of appreciation by your clients
Your look ahead to the upcoming year.
Informal social time to meet one another and speak to the guest speaker.
When you hold your client appreciation dinner in December, you thank your clients for their business, make them feel appreciated and connect with their friends and relatives. Do it right and you’ll have a very busy January and February!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Client Appreciation Dinners for Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Client Appreciation Dinners for Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 781-revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 781-revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 12:08:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 12:08:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:08:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 19:08:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 781
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 781
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/781-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/781-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 784
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 784
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 12:29:55
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:29:55
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 19:29:55
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: FancyTableSetting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: FancyTableSetting
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: fancytablesetting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: fancytablesetting
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 12:29:55
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 12:29:55
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:29:55
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 19:29:55
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 781
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 781
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/FancyTableSetting.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/FancyTableSetting.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: attachment
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: attachment
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: image/jpeg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: image/jpeg
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 783
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 783
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 12:08:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 12:08:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:08:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 19:08:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Feeling neglected is the #1 reason people leave one company for another. Not price. Not service quality No Product features. Everyone wants to feel appreciated and remembered. Hosting an annual client appreciation dinner makes your clients feel appreciated and reminds people why they do business with you.
Client appreciation dinners can help you build your practice as well. FINRA prohibits financial advisors from advertising a list of clients or using client testimonials. You lose a powerful tool for promoting your practice and proving your expertise.
Imagine adding these quotes to your website:
“Bob answers my questions patiently so I always understand what I’m investing in and why.”
“Bob got me out of the stock market 3 weeks before the crash!”
“Bob showed my why working for 2 more years would add 10 more years of retirement income!”
“Bob invests my money for my best benefit and not to maximize his commissions.”
“Since moving my money to Bob, I’ve averaged 17% per year and never had a losing year regardless of the stock market.”
What does this have to do with a client appreciation dinner? Your invitation to your clients should encourage them to bring another couple with them to enjoy the evening. Generally speaking, people’s social circles usually include people in the same economic situation. People who live in expensive neighborhoods have neighbors who need a qualified financial advisor. Like you.
During the event you allow a time for people to say nice things about you. You tell a few close clients about this ahead of time so they come prepared to wax eloquent about you. Others will get the idea and you'll be praised and (perhaps a bit roasted) by people who appreciate what you've done for them.
All the prospects will learn about you in a fun, relaxing environment. You leverage your time by building chemistry with lots of folks at the same time.
When should you hold this event? This depends on where you live and who your targeted clientele is. However, there are 2 main times. You can hold a BBQ for families in the Summer or a dinner in December.
You want to make the event nice and worth the time of your clients and their friends. Don’t go cheap on the food or the place because you only have one chance to make a good first impression with your prospective clients.
Consider having a well-know guest speaker for the event. Limit their talk to about 20 minutes maximum because it is a party after all. And encourage your guests to speak with him during the event.
Your event could follow a program like this:
Welcome and words of appreciation. (You)
Dinner served
Guest speaker talk during dessert
Words of appreciation by your clients
Your look ahead to the upcoming year.
Informal social time to meet one another and speak to the guest speaker.
When you hold your client appreciation dinner in December, you thank your clients for their business, make them feel appreciated and connect with their friends and relatives. Do it right and you’ll have a very busy January and February!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Feeling neglected is the #1 reason people leave one company for another. Not price. Not service quality No Product features. Everyone wants to feel appreciated and remembered. Hosting an annual client appreciation dinner makes your clients feel appreciated and reminds people why they do business with you.
Client appreciation dinners can help you build your practice as well. FINRA prohibits financial advisors from advertising a list of clients or using client testimonials. You lose a powerful tool for promoting your practice and proving your expertise.
Imagine adding these quotes to your website:
“Bob answers my questions patiently so I always understand what I’m investing in and why.”
“Bob got me out of the stock market 3 weeks before the crash!”
“Bob showed my why working for 2 more years would add 10 more years of retirement income!”
“Bob invests my money for my best benefit and not to maximize his commissions.”
“Since moving my money to Bob, I’ve averaged 17% per year and never had a losing year regardless of the stock market.”
What does this have to do with a client appreciation dinner? Your invitation to your clients should encourage them to bring another couple with them to enjoy the evening. Generally speaking, people’s social circles usually include people in the same economic situation. People who live in expensive neighborhoods have neighbors who need a qualified financial advisor. Like you.
During the event you allow a time for people to say nice things about you. You tell a few close clients about this ahead of time so they come prepared to wax eloquent about you. Others will get the idea and you'll be praised and (perhaps a bit roasted) by people who appreciate what you've done for them.
All the prospects will learn about you in a fun, relaxing environment. You leverage your time by building chemistry with lots of folks at the same time.
When should you hold this event? This depends on where you live and who your targeted clientele is. However, there are 2 main times. You can hold a BBQ for families in the Summer or a dinner in December.
You want to make the event nice and worth the time of your clients and their friends. Don’t go cheap on the food or the place because you only have one chance to make a good first impression with your prospective clients.
Consider having a well-know guest speaker for the event. Limit their talk to about 20 minutes maximum because it is a party after all. And encourage your guests to speak with him during the event.
Your event could follow a program like this:
Welcome and words of appreciation. (You)
Dinner served
Guest speaker talk during dessert
Words of appreciation by your clients
Your look ahead to the upcoming year.
Informal social time to meet one another and speak to the guest speaker.
When you hold your client appreciation dinner in December, you thank your clients for their business, make them feel appreciated and connect with their friends and relatives. Do it right and you’ll have a very busy January and February!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Client Appreciation Dinners for Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Client Appreciation Dinners for Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 781-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 781-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 12:08:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 12:08:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:08:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 19:08:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 781
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 781
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/781-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/781-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 785
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 785
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 12:13:41
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 12:13:41
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:13:41
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 19:13:41
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Feeling neglected is the #1 reason people leave one company for another. Not price. Not service quality No Product features. Everyone wants to feel appreciated and remembered. Hosting an annual client appreciation dinner makes your clients feel appreciated and reminds people why they do business with you.
Client appreciation dinners can help you build your practice as well. FINRA prohibits financial advisors from advertising a list of clients or using client testimonials. You lose a powerful tool for promoting your practice and proving your expertise.
Imagine adding these quotes to your website:
“Bob answers my questions patiently so I always understand what I’m investing in and why.”
“Bob got me out of the stock market 3 weeks before the crash!”
“Bob showed my why working for 2 more years would add 10 more years of retirement income!”
“Bob invests my money for my best benefit and not to maximize his commissions.”
“Since moving my money to Bob, I’ve averaged 17% per year and never had a losing year regardless of the stock market.”
What does this have to do with a client appreciation dinner? Your invitation to your clients should encourage them to bring another couple with them to enjoy the evening. Generally speaking, people’s social circles usually include people in the same economic situation. People who live in expensive neighborhoods have neighbors who need a qualified financial advisor. Like you.
During the event you allow a time for people to say nice things about you. You tell a few close clients about this ahead of time so they come prepared to wax eloquent about you. Others will get the idea and you'll be praised and (perhaps a bit roasted) by people who appreciate what you've done for them.
All the prospects will learn about you in a fun, relaxing environment. You leverage your time by building chemistry with lots of folks at the same time.
When should you hold this event? This depends on where you live and who your targeted clientele is. However, there are 2 main times. You can hold a BBQ for families in the Summer or a dinner in December.
You want to make the event nice and worth the time of your clients and their friends. Don’t go cheap on the food or the place because you only have one chance to make a good first impression with your prospective clients.
Consider having a well-know guest speaker for the event. Limit their talk to about 20 minutes maximum because it is a party after all. And encourage your guests to speak with him during the event.
Your event could follow a program like this:
Welcome and words of appreciation. (You)
Dinner served
Guest speaker talk during dessert
Words of appreciation by your clients
Your look ahead to the upcoming year.
Informal social time to meet one another and speak to the guest speaker.
When you hold your client appreciation dinner in December, you thank your clients for their business, make them feel appreciated and connect with their friends and relatives. Do it right and you’ll have a very busy January and February!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Feeling neglected is the #1 reason people leave one company for another. Not price. Not service quality No Product features. Everyone wants to feel appreciated and remembered. Hosting an annual client appreciation dinner makes your clients feel appreciated and reminds people why they do business with you.
Client appreciation dinners can help you build your practice as well. FINRA prohibits financial advisors from advertising a list of clients or using client testimonials. You lose a powerful tool for promoting your practice and proving your expertise.
Imagine adding these quotes to your website:
“Bob answers my questions patiently so I always understand what I’m investing in and why.”
“Bob got me out of the stock market 3 weeks before the crash!”
“Bob showed my why working for 2 more years would add 10 more years of retirement income!”
“Bob invests my money for my best benefit and not to maximize his commissions.”
“Since moving my money to Bob, I’ve averaged 17% per year and never had a losing year regardless of the stock market.”
What does this have to do with a client appreciation dinner? Your invitation to your clients should encourage them to bring another couple with them to enjoy the evening. Generally speaking, people’s social circles usually include people in the same economic situation. People who live in expensive neighborhoods have neighbors who need a qualified financial advisor. Like you.
During the event you allow a time for people to say nice things about you. You tell a few close clients about this ahead of time so they come prepared to wax eloquent about you. Others will get the idea and you'll be praised and (perhaps a bit roasted) by people who appreciate what you've done for them.
All the prospects will learn about you in a fun, relaxing environment. You leverage your time by building chemistry with lots of folks at the same time.
When should you hold this event? This depends on where you live and who your targeted clientele is. However, there are 2 main times. You can hold a BBQ for families in the Summer or a dinner in December.
You want to make the event nice and worth the time of your clients and their friends. Don’t go cheap on the food or the place because you only have one chance to make a good first impression with your prospective clients.
Consider having a well-know guest speaker for the event. Limit their talk to about 20 minutes maximum because it is a party after all. And encourage your guests to speak with him during the event.
Your event could follow a program like this:
Welcome and words of appreciation. (You)
Dinner served
Guest speaker talk during dessert
Words of appreciation by your clients
Your look ahead to the upcoming year.
Informal social time to meet one another and speak to the guest speaker.
When you hold your client appreciation dinner in December, you thank your clients for their business, make them feel appreciated and connect with their friends and relatives. Do it right and you’ll have a very busy January and February!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Client Appreciation Dinners for Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Client Appreciation Dinners for Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 781-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 781-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 12:13:41
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 12:13:41
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:13:41
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 19:13:41
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 781
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 781
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/781-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/781-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 786
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 786
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 12:30:48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 12:30:48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:30:48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 19:30:48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: “Bob answers my questions patiently so I always understand what I’m investing in and why.”
“Bob got me out of the stock market 3 weeks before the crash!”
“Bob showed my why working for 2 more years would add 10 more years of retirement income!”
“Bob invests my money for my best benefit and not to maximize his commissions.”
“Since moving my money to Bob, I’ve averaged 17% per year and never had a losing year regardless of the stock market.”
What does this have to do with a client appreciation dinner? Your invitation to your clients should encourage them to bring another couple with them to enjoy the evening. Generally speaking, people’s social circles usually include people in the same economic situation. People who live in expensive neighborhoods have neighbors who need a qualified financial advisor. Like you.
During the event you allow a time for people to say nice things about you. You tell a few close clients about this ahead of time so they come prepared to wax eloquent about you. Others will get the idea and you'll be praised and (perhaps a bit roasted) by people who appreciate what you've done for them.
All the prospects will learn about you in a fun, relaxing environment. You leverage your time by building chemistry with lots of folks at the same time.
When should you hold this event? This depends on where you live and who your targeted clientele is. However, there are 2 main times. You can hold a BBQ for families in the Summer or a dinner in December.
You want to make the event nice and worth the time of your clients and their friends. Don’t go cheap on the food or the place because you only have one chance to make a good first impression with your prospective clients.
Consider having a well-know guest speaker for the event. Limit their talk to about 20 minutes maximum because it is a party after all. And encourage your guests to speak with him during the event.
Your event could follow a program like this:
Welcome and words of appreciation. (You)
Dinner served
Guest speaker talk during dessert
Words of appreciation by your clients
Your look ahead to the upcoming year.
Informal social time to meet one another and speak to the guest speaker.
When you hold your client appreciation dinner in December, you thank your clients for their business, make them feel appreciated and connect with their friends and relatives. Do it right and you’ll have a very busy January and February!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: “Bob answers my questions patiently so I always understand what I’m investing in and why.”
“Bob got me out of the stock market 3 weeks before the crash!”
“Bob showed my why working for 2 more years would add 10 more years of retirement income!”
“Bob invests my money for my best benefit and not to maximize his commissions.”
“Since moving my money to Bob, I’ve averaged 17% per year and never had a losing year regardless of the stock market.”
What does this have to do with a client appreciation dinner? Your invitation to your clients should encourage them to bring another couple with them to enjoy the evening. Generally speaking, people’s social circles usually include people in the same economic situation. People who live in expensive neighborhoods have neighbors who need a qualified financial advisor. Like you.
During the event you allow a time for people to say nice things about you. You tell a few close clients about this ahead of time so they come prepared to wax eloquent about you. Others will get the idea and you'll be praised and (perhaps a bit roasted) by people who appreciate what you've done for them.
All the prospects will learn about you in a fun, relaxing environment. You leverage your time by building chemistry with lots of folks at the same time.
When should you hold this event? This depends on where you live and who your targeted clientele is. However, there are 2 main times. You can hold a BBQ for families in the Summer or a dinner in December.
You want to make the event nice and worth the time of your clients and their friends. Don’t go cheap on the food or the place because you only have one chance to make a good first impression with your prospective clients.
Consider having a well-know guest speaker for the event. Limit their talk to about 20 minutes maximum because it is a party after all. And encourage your guests to speak with him during the event.
Your event could follow a program like this:
Welcome and words of appreciation. (You)
Dinner served
Guest speaker talk during dessert
Words of appreciation by your clients
Your look ahead to the upcoming year.
Informal social time to meet one another and speak to the guest speaker.
When you hold your client appreciation dinner in December, you thank your clients for their business, make them feel appreciated and connect with their friends and relatives. Do it right and you’ll have a very busy January and February!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Client Appreciation Dinners for Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Client Appreciation Dinners for Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 781-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 781-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 12:30:48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 12:30:48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:30:48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 19:30:48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 781
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 781
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/781-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/781-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 787
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 787
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 12:30:50
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 12:30:50
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:30:50
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 19:30:50
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: “Bob answers my questions patiently so I always understand what I’m investing in and why.”
“Bob got me out of the stock market 3 weeks before the crash!”
“Bob showed my why working for 2 more years would add 10 more years of retirement income!”
“Bob invests my money for my best benefit and not to maximize his commissions.”
“Since moving my money to Bob, I’ve averaged 17% per year and never had a losing year regardless of the stock market.”
What does this have to do with a client appreciation dinner? Your invitation to your clients should encourage them to bring another couple with them to enjoy the evening. Generally speaking, people’s social circles usually include people in the same economic situation. People who live in expensive neighborhoods have neighbors who need a qualified financial advisor. Like you.
During the event you allow a time for people to say nice things about you. You tell a few close clients about this ahead of time so they come prepared to wax eloquent about you. Others will get the idea and you'll be praised and (perhaps a bit roasted) by people who appreciate what you've done for them.
All the prospects will learn about you in a fun, relaxing environment. You leverage your time by building chemistry with lots of folks at the same time.
When should you hold this event? This depends on where you live and who your targeted clientele is. However, there are 2 main times. You can hold a BBQ for families in the Summer or a dinner in December.
You want to make the event nice and worth the time of your clients and their friends. Don’t go cheap on the food or the place because you only have one chance to make a good first impression with your prospective clients.
Consider having a well-know guest speaker for the event. Limit their talk to about 20 minutes maximum because it is a party after all. And encourage your guests to speak with him during the event.
Your event could follow a program like this:
Welcome and words of appreciation. (You)
Dinner served
Guest speaker talk during dessert
Words of appreciation by your clients
Your look ahead to the upcoming year.
Informal social time to meet one another and speak to the guest speaker.
When you hold your client appreciation dinner in December, you thank your clients for their business, make them feel appreciated and connect with their friends and relatives. Do it right and you’ll have a very busy January and February!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: “Bob answers my questions patiently so I always understand what I’m investing in and why.”
“Bob got me out of the stock market 3 weeks before the crash!”
“Bob showed my why working for 2 more years would add 10 more years of retirement income!”
“Bob invests my money for my best benefit and not to maximize his commissions.”
“Since moving my money to Bob, I’ve averaged 17% per year and never had a losing year regardless of the stock market.”
What does this have to do with a client appreciation dinner? Your invitation to your clients should encourage them to bring another couple with them to enjoy the evening. Generally speaking, people’s social circles usually include people in the same economic situation. People who live in expensive neighborhoods have neighbors who need a qualified financial advisor. Like you.
During the event you allow a time for people to say nice things about you. You tell a few close clients about this ahead of time so they come prepared to wax eloquent about you. Others will get the idea and you'll be praised and (perhaps a bit roasted) by people who appreciate what you've done for them.
All the prospects will learn about you in a fun, relaxing environment. You leverage your time by building chemistry with lots of folks at the same time.
When should you hold this event? This depends on where you live and who your targeted clientele is. However, there are 2 main times. You can hold a BBQ for families in the Summer or a dinner in December.
You want to make the event nice and worth the time of your clients and their friends. Don’t go cheap on the food or the place because you only have one chance to make a good first impression with your prospective clients.
Consider having a well-know guest speaker for the event. Limit their talk to about 20 minutes maximum because it is a party after all. And encourage your guests to speak with him during the event.
Your event could follow a program like this:
Welcome and words of appreciation. (You)
Dinner served
Guest speaker talk during dessert
Words of appreciation by your clients
Your look ahead to the upcoming year.
Informal social time to meet one another and speak to the guest speaker.
When you hold your client appreciation dinner in December, you thank your clients for their business, make them feel appreciated and connect with their friends and relatives. Do it right and you’ll have a very busy January and February!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Client Appreciation Dinners for Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Client Appreciation Dinners for Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 781-revision-5
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 781-revision-5
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 12:30:50
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 12:30:50
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:30:50
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 19:30:50
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 781
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 781
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/781-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/781-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 788
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 788
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 12:31:23
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 12:31:23
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:31:23
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 19:31:23
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: “Bob answers my questions patiently so I always understand what I’m investing in and why.”
“Bob got me out of the stock market 3 weeks before the crash!”
“Bob showed my why working for 2 more years would add 10 more years of retirement income!”
“Bob invests my money for my best benefit and not to maximize his commissions.”
“Since moving my money to Bob, I’ve averaged 17% per year and never had a losing year regardless of the stock market.”
What does this have to do with a client appreciation dinner? Your invitation to your clients should encourage them to bring another couple with them to enjoy the evening. Generally speaking, people’s social circles usually include people in the same economic situation. People who live in expensive neighborhoods have neighbors who need a qualified financial advisor. Like you.
During the event you allow a time for people to say nice things about you. You tell a few close clients about this ahead of time so they come prepared to wax eloquent about you. Others will get the idea and you'll be praised and (perhaps a bit roasted) by people who appreciate what you've done for them.
All the prospects will learn about you in a fun, relaxing environment. You leverage your time by building chemistry with lots of folks at the same time.
When should you hold this event? This depends on where you live and who your targeted clientele is. However, there are 2 main times. You can hold a BBQ for families in the Summer or a dinner in December.
You want to make the event nice and worth the time of your clients and their friends. Don’t go cheap on the food or the place because you only have one chance to make a good first impression with your prospective clients.
Consider having a well-know guest speaker for the event. Limit their talk to about 20 minutes maximum because it is a party after all. And encourage your guests to speak with him during the event.
Your event could follow a program like this:
Welcome and words of appreciation. (You)
Dinner served
Guest speaker talk during dessert
Words of appreciation by your clients
Your look ahead to the upcoming year.
Informal social time to meet one another and speak to the guest speaker.
When you hold your client appreciation dinner in December, you thank your clients for their business, make them feel appreciated and connect with their friends and relatives. Do it right and you’ll have a very busy January and February!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: “Bob answers my questions patiently so I always understand what I’m investing in and why.”
“Bob got me out of the stock market 3 weeks before the crash!”
“Bob showed my why working for 2 more years would add 10 more years of retirement income!”
“Bob invests my money for my best benefit and not to maximize his commissions.”
“Since moving my money to Bob, I’ve averaged 17% per year and never had a losing year regardless of the stock market.”
What does this have to do with a client appreciation dinner? Your invitation to your clients should encourage them to bring another couple with them to enjoy the evening. Generally speaking, people’s social circles usually include people in the same economic situation. People who live in expensive neighborhoods have neighbors who need a qualified financial advisor. Like you.
During the event you allow a time for people to say nice things about you. You tell a few close clients about this ahead of time so they come prepared to wax eloquent about you. Others will get the idea and you'll be praised and (perhaps a bit roasted) by people who appreciate what you've done for them.
All the prospects will learn about you in a fun, relaxing environment. You leverage your time by building chemistry with lots of folks at the same time.
When should you hold this event? This depends on where you live and who your targeted clientele is. However, there are 2 main times. You can hold a BBQ for families in the Summer or a dinner in December.
You want to make the event nice and worth the time of your clients and their friends. Don’t go cheap on the food or the place because you only have one chance to make a good first impression with your prospective clients.
Consider having a well-know guest speaker for the event. Limit their talk to about 20 minutes maximum because it is a party after all. And encourage your guests to speak with him during the event.
Your event could follow a program like this:
Welcome and words of appreciation. (You)
Dinner served
Guest speaker talk during dessert
Words of appreciation by your clients
Your look ahead to the upcoming year.
Informal social time to meet one another and speak to the guest speaker.
When you hold your client appreciation dinner in December, you thank your clients for their business, make them feel appreciated and connect with their friends and relatives. Do it right and you’ll have a very busy January and February!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Client Appreciation Dinners for Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Client Appreciation Dinners for Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 781-revision-6
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 781-revision-6
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 12:31:23
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 12:31:23
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:31:23
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 19:31:23
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 781
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 781
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/781-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/781-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 789
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 789
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 12:31:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 12:31:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:31:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 19:31:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: “Bob answers my questions patiently so I always understand what I’m investing in and why.”
“Bob got me out of the stock market 3 weeks before the crash!”
“Bob showed my why working for 2 more years would add 10 more years of retirement income!”
“Bob invests my money for my best benefit and not to maximize his commissions.”
“Since moving my money to Bob, I’ve averaged 17% per year and never had a losing year regardless of the stock market.”
What does this have to do with a client appreciation dinner? Your invitation to your clients should encourage them to bring another couple with them to enjoy the evening. Generally speaking, people’s social circles usually include people in the same economic situation. People who live in expensive neighborhoods have neighbors who need a qualified financial advisor. Like you.
During the event you allow a time for people to say nice things about you. You tell a few close clients about this ahead of time so they come prepared to wax eloquent about you. Others will get the idea and you'll be praised and (perhaps a bit roasted) by people who appreciate what you've done for them.
All the prospects will learn about you in a fun, relaxing environment. You leverage your time by building chemistry with lots of folks at the same time.
When should you hold this event? This depends on where you live and who your targeted clientele is. However, there are 2 main times. You can hold a BBQ for families in the Summer or a dinner in December.
You want to make the event nice and worth the time of your clients and their friends. Don’t go cheap on the food or the place because you only have one chance to make a good first impression with your prospective clients.
Consider having a well-know guest speaker for the event. Limit their talk to about 20 minutes maximum because it is a party after all. And encourage your guests to speak with him during the event.
Your event could follow a program like this:
Welcome and words of appreciation. (You)
Dinner served
Guest speaker talk during dessert
Words of appreciation by your clients
Your look ahead to the upcoming year.
Informal social time to meet one another and speak to the guest speaker.
When you hold your client appreciation dinner in December, you thank your clients for their business, make them feel appreciated and connect with their friends and relatives. Do it right and you’ll have a very busy January and February!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: “Bob answers my questions patiently so I always understand what I’m investing in and why.”
“Bob got me out of the stock market 3 weeks before the crash!”
“Bob showed my why working for 2 more years would add 10 more years of retirement income!”
“Bob invests my money for my best benefit and not to maximize his commissions.”
“Since moving my money to Bob, I’ve averaged 17% per year and never had a losing year regardless of the stock market.”
What does this have to do with a client appreciation dinner? Your invitation to your clients should encourage them to bring another couple with them to enjoy the evening. Generally speaking, people’s social circles usually include people in the same economic situation. People who live in expensive neighborhoods have neighbors who need a qualified financial advisor. Like you.
During the event you allow a time for people to say nice things about you. You tell a few close clients about this ahead of time so they come prepared to wax eloquent about you. Others will get the idea and you'll be praised and (perhaps a bit roasted) by people who appreciate what you've done for them.
All the prospects will learn about you in a fun, relaxing environment. You leverage your time by building chemistry with lots of folks at the same time.
When should you hold this event? This depends on where you live and who your targeted clientele is. However, there are 2 main times. You can hold a BBQ for families in the Summer or a dinner in December.
You want to make the event nice and worth the time of your clients and their friends. Don’t go cheap on the food or the place because you only have one chance to make a good first impression with your prospective clients.
Consider having a well-know guest speaker for the event. Limit their talk to about 20 minutes maximum because it is a party after all. And encourage your guests to speak with him during the event.
Your event could follow a program like this:
Welcome and words of appreciation. (You)
Dinner served
Guest speaker talk during dessert
Words of appreciation by your clients
Your look ahead to the upcoming year.
Informal social time to meet one another and speak to the guest speaker.
When you hold your client appreciation dinner in December, you thank your clients for their business, make them feel appreciated and connect with their friends and relatives. Do it right and you’ll have a very busy January and February!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Client Appreciation Dinners for Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Client Appreciation Dinners for Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 781-revision-7
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 781-revision-7
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 12:31:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 12:31:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-15 19:31:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-15 19:31:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 781
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 781
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/781-revision-7/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/781-revision-7/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 790
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 790
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 15:30:04
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-17 15:30:04
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 22:30:04
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-17 22:30:04
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: About Richard Emmons
"Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: About Richard Emmons
"Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: About
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: About
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: about
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: about
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-05 16:27:24
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-05 16:27:24
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-05 23:27:24
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?page_id=790
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?page_id=790
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: page
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 15:28:30
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard_Emmons 169x211
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: richard_emmons-169x211
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: richard_emmons-169x211
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 15:28:30
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 790
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/Richard_Emmons-169x211.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/Richard_Emmons-169x211.jpg
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: attachment
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 15:28:53
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-17 15:28:53
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-17 22:28:53
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: "Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: "Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: About
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: About
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 790-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 790-revision-3
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 15:29:53
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 790
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 790
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/790-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/790-revision-3/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-07-13 15:34:18
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-07-13 15:34:18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-07-13 22:34:18
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-07-13 22:34:18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: About Richard Emmons
"Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: About Richard Emmons
"Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: About
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: About
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 790-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 790-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-07-13 15:34:18
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 790
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 790
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/790-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/790-autosave/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 15:30:04
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-17 15:30:04
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 22:30:04
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-17 22:30:04
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: "Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: "Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: About
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: About
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 790
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/790-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/790-revision-4/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 15:31:22
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-17 15:31:22
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 22:31:22
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-17 22:31:22
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: "Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: "Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: About
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: About
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 790-revision-5
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 790-revision-5
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 15:31:22
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 790
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 790
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/790-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/790-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 15:33:30
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: About Richard Emmons
Richard Emmons works with financial advisors and other small to medium sized businesses to help them maximize their business growth success. He looks at all the business growth assets which are already in place or hidden in a client’s business and finds ways to use them to create dynamic and profitable growth without the client having to invest any extra money in advertising or having to make a lot of significant changes in their business operations.
Richard attended the United States Naval Academy for two years and graduated from California State University Fullerton with a degree in business administration.
He has 21 years of senior management experience in six different industry sectors including financial advisory services, real estate, relocation services, banking, research and development and light manufacturing.
Richard began studying nontraditional marketing principles as a Jay Abraham Protégé Mentor in 1989 and continues to feed his voracious appetite for information on marketing and business success. Richard's sales experience includes both business-to-business as well as door-to-door selling to homeowners.
He helps business owners develop their own unique personal brand. Richard uses this branding along with effective copywriting to increase the return on advertising dollars to help companies grow.
"Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: About Richard Emmons
Richard Emmons works with financial advisors and other small to medium sized businesses to help them maximize their business growth success. He looks at all the business growth assets which are already in place or hidden in a client’s business and finds ways to use them to create dynamic and profitable growth without the client having to invest any extra money in advertising or having to make a lot of significant changes in their business operations.
Richard attended the United States Naval Academy for two years and graduated from California State University Fullerton with a degree in business administration.
He has 21 years of senior management experience in six different industry sectors including financial advisory services, real estate, relocation services, banking, research and development and light manufacturing.
Richard began studying nontraditional marketing principles as a Jay Abraham Protégé Mentor in 1989 and continues to feed his voracious appetite for information on marketing and business success. Richard's sales experience includes both business-to-business as well as door-to-door selling to homeowners.
He helps business owners develop their own unique personal brand. Richard uses this branding along with effective copywriting to increase the return on advertising dollars to help companies grow.
"Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: About
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 790-revision-6
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 15:33:30
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 790
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 790
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/790-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/790-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: About Richard Emmons "Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: About Richard Emmons "Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: About
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-17 15:38:55
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 790
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 790
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/790-revision-7/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/790-revision-7/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 15:19:29
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]Wall Street Journal article points out that many Regional Broker/Dealers are raising minimum production amounts. If you're feeling some heat from your broker/dealer, you have two choices. Improve your marketing to raise your production...or fire your BD! After the article you can find ideas on both of these choices.
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
Read the rest of the article
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll give you some suggestions. Got a great BD? Add your comments below and let us know all about them.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]Wall Street Journal article points out that many Regional Broker/Dealers are raising minimum production amounts. If you're feeling some heat from your broker/dealer, you have two choices. Improve your marketing to raise your production...or fire your BD! After the article you can find ideas on both of these choices.
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
Read the rest of the article
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll give you some suggestions. Got a great BD? Add your comments below and let us know all about them.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This Wall Street Journal article points out that many Regional Broker/Dealers are raising minimum production amounts. If you're feeling some heat from your broker/dealer, you have two choices. Improve your marketing to raise your production...or fire your BD! After the article you can find ideas on both of these choices.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This Wall Street Journal article points out that many Regional Broker/Dealers are raising minimum production amounts. If you're feeling some heat from your broker/dealer, you have two choices. Improve your marketing to raise your production...or fire your BD! After the article you can find ideas on both of these choices.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 15:19:29
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 15:19:29
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 22:19:29
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 22:19:29
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=800
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=800
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 801
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 801
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 11:54:44
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 11:54:44
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 18:54:44
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 18:54:44
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Having a tough year? This Wall Street Journal article points out that you're not alone. Bad news is that Regional Broker/Dealers are getting tougher on minimum production amounts
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Having a tough year? This Wall Street Journal article points out that you're not alone. Bad news is that Regional Broker/Dealers are getting tougher on minimum production amounts
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800-revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800-revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 11:54:44
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 11:54:44
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 18:54:44
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 18:54:44
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/800-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/800-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:00:24
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:00:24
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:00:24
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:00:24
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: crying_baby
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: crying_baby
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: crying_baby
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: crying_baby
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:00:24
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:00:24
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:00:24
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:00:24
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/crying_baby.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/crying_baby.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: attachment
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: attachment
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: image/jpeg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: image/jpeg
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 803
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 803
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:00:42
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:00:42
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:00:42
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 57463716JM002_Donald_Trump
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 57463716JM002_Donald_Trump
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Donald Trump: "You're fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Donald Trump: "You're fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 57463716jm002_donald_trump
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 57463716jm002_donald_trump
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:00:42
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/donald-trump1.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/donald-trump1.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: attachment
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: image/jpeg
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 804
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:02:21
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:02:21
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: [caption id="attachment_803" align="alignright" width="300" caption="Donald Trump: "You're fired!""]
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: [caption id="attachment_803" align="alignright" width="300" caption="Donald Trump: "You're fired!""]
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:02:21
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:02:21
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:02:21
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:02:21
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/800-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/800-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 805
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 805
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:04:18
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:04:18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:04:18
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:04:18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: [caption id="attachment_803" align="alignright" width="300" caption="Donald Trump: "You're fired!""]
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: [caption id="attachment_803" align="alignright" width="300" caption="Donald Trump: "You're fired!""]
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800-revision-3
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:04:18
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:04:18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:04:18
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:04:18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/800-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/800-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:05:18
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:05:18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:05:18
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:05:18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:05:18
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:05:18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:05:18
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:05:18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/800-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/800-revision-4/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:31:48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:31:48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:31:48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:31:48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll offer some suggestions.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll offer some suggestions.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800-revision-5
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800-revision-5
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:31:48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:31:48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:31:48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:31:48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/800-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/800-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 808
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 808
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:32:48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:32:48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:32:48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:32:48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll give you some suggestions. Got a great BD? Add your comments below and let us know all about them
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll give you some suggestions. Got a great BD? Add your comments below and let us know all about them
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800-revision-6
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800-revision-6
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:32:48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:32:48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:32:48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:32:48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/800-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/800-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 809
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 809
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:32:51
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:32:51
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:32:51
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:32:51
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll give you some suggestions. Got a great BD? Add your comments below and let us know all about them.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll give you some suggestions. Got a great BD? Add your comments below and let us know all about them.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800-revision-7
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:32:51
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:32:51
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:32:51
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:32:51
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/800-revision-7/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/800-revision-7/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 810
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 810
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:33:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:33:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:33:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:33:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
Read the rest of the article
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll give you some suggestions. Got a great BD? Add your comments below and let us know all about them.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
Read the rest of the article
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll give you some suggestions. Got a great BD? Add your comments below and let us know all about them.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800-revision-8
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800-revision-8
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:33:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:33:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:33:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:33:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/800-revision-8/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/800-revision-8/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 811
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 811
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:34:58
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:34:58
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:34:58
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:34:58
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
Read the rest of the article
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll give you some suggestions. Got a great BD? Add your comments below and let us know all about them.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
Read the rest of the article
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll give you some suggestions. Got a great BD? Add your comments below and let us know all about them.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800-revision-9
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800-revision-9
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 12:34:58
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 12:34:58
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 19:34:58
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 19:34:58
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/800-revision-9/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/800-revision-9/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 812
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 812
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 14:39:14
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 14:39:14
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 21:39:14
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 21:39:14
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]Wall Street Journal article points out that you're not alone. And many Regional Broker/Dealers are getting tougher on minimum production amounts.
If you're feeling some heat from your broker/dealer, you have two choices. Take action to raise your production...or fire your BD!
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
Read the rest of the article
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll give you some suggestions. Got a great BD? Add your comments below and let us know all about them.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]Wall Street Journal article points out that you're not alone. And many Regional Broker/Dealers are getting tougher on minimum production amounts.
If you're feeling some heat from your broker/dealer, you have two choices. Take action to raise your production...or fire your BD!
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
Read the rest of the article
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll give you some suggestions. Got a great BD? Add your comments below and let us know all about them.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800-revision-10
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800-revision-10
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 14:39:14
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 14:39:14
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 21:39:14
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 21:39:14
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/800-revision-10/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/800-revision-10/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 813
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 813
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 14:48:51
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 14:48:51
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 21:48:51
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 21:48:51
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]Wall Street Journal article points out that many Regional Broker/Dealers are raising minimum production amounts. If you're feeling some heat from your broker/dealer, you have two choices. Improve your marketing to raise your production...or fire your BD! After the article you can find ideas on both of these choices.
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
Read the rest of the article
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll give you some suggestions. Got a great BD? Add your comments below and let us know all about them.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]Wall Street Journal article points out that many Regional Broker/Dealers are raising minimum production amounts. If you're feeling some heat from your broker/dealer, you have two choices. Improve your marketing to raise your production...or fire your BD! After the article you can find ideas on both of these choices.
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
Read the rest of the article
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll give you some suggestions. Got a great BD? Add your comments below and let us know all about them.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Having a tough year? This Wall Street Journal article points out that you're not alone. And many Regional Broker/Dealers are raising minimum production amounts. If you're feeling some heat from your broker/dealer, you have two choices. Take action to raise your production...or fire your BD!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Having a tough year? This Wall Street Journal article points out that you're not alone. And many Regional Broker/Dealers are raising minimum production amounts. If you're feeling some heat from your broker/dealer, you have two choices. Take action to raise your production...or fire your BD!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800-revision-11
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800-revision-11
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 14:48:51
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 14:48:51
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 21:48:51
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 21:48:51
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 800
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/800-revision-11/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/800-revision-11/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 814
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 814
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 15:20:35
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 15:20:35
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-21 22:20:35
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-21 22:20:35
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]Wall Street Journal article points out that many Regional Broker/Dealers are raising minimum production amounts. If you're feeling some heat from your broker/dealer, you have two choices. Improve your marketing to raise your production...or fire your BD! After the article you can find ideas on both of these choices.
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
Read the rest of the article
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll give you some suggestions. Got a great BD? Add your comments below and let us know all about them.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: [caption id="attachment_803" align="alignright" width="210" caption="Donald Trump: "You're fired!""]Wall Street Journal article points out that many Regional Broker/Dealers are raising minimum production amounts. If you're feeling some heat from your broker/dealer, you have two choices. Improve your marketing to raise your production...or fire your BD! After the article you can find ideas on both of these choices.
Regionals Raise Broker Production Minimums
By Kristen McNamara
The barrier to entry for would-be brokers at some regional firms is getting higher. And brokers already working at those firms are finding they have higher hurdles to clear, too.
Financial advisers who move to regional broker-dealers from large Wall Street institutions often generate more in fees and commissions than regional incumbents. Some of these new arrivals want to work at smaller organizations while others are pushed out by wirehouses which are trying to shed what are, for them, lower producers.
The amount of client money wirehouse brokers oversee, and their corresponding pay, is generally much higher than that of the regional brokers. That means low-producing wirehouse brokers can still generate more revenue than the average regional broker.
The average amount of money overseen by a wirehouse broker was $71.9 million at the end of 2008, according to research and consulting firm Cerulli Associates’s most recent data. That’s more than double $31.9 million in average assets per regional financial adviser, according to Cerulli.
The number of brokers migrating to regionals from wirehouses jumped between late 2008 and the first half of 2009. Several Wall Street giants that merged focused on keeping their biggest brokers — generally those producing at least $500,000 a year — by offering them big retention bonuses, while discouraging lower producers from staying with pay cuts.
While the movement of wirehouse brokers to regional firms has slowed considerably in recent months, the influx of wirehouse brokers prompted some regional firms to begin raising production requirement for employees and recruits.
Janney Montgomery Scott, for example, increased last year its minimums for prospective hires to $500,000 in annual fees and commissions and $60 million in assets under management. That’s above the firm’s average production now, which is approaching $450,000.
It also raised to $200,000 from $150,000 the minimum brokers must generate each year or have their payout reduced. It expects to gradually move that minimum higher.
The relatively small size of regional brokerages compared with wirehouses fosters a more collegial culture, according to consultants and recruiters.
“Regionals are certainly looking to raise average production,” says Mindy Diamond, president of executive search firm Diamond Consultants. “At the end of the day, they’ll do it differently” than wirehouses.
Beginning next year, Edward Jones will raise its production requirements for the first time in more than a decade. Brokers who have been with the firm for more than 10 years will need to generate at least $30,000 a month in fees and commissions, and $32,000 if they’ve been with the firm 12 or more years. That compares with a requirement of $27,000 for eight-year veterans today.
The firm says it’s giving brokers plenty of advance notice and has improvement plans to help struggling brokers. Still, those who don’t improve within months may be fired.
“Regional firms don’t have the same level of ruthlessness as large wirehouses,” says Mark Elzweig, founder of executive search firm Mark Elzweig Co.
Read the rest of the article
"Don't have the same level of ruthlessness...." That's comforting...not!
Time To Panic?
An old USP for Federal Express was "Don't panic. Call Federal Express!" Likewise, if you're below minimum production numbers for your broker/dealer you need to take action now but you don't need to panic.
What should you do? You should click the "Productivity" link above and implement enough ideas to free up some time to invest in your marketing activities. You also need to free up some cash so you can invest some money in your marketing activities.
You need high return without high risk marketing ideas because you must grow your practice this year. So don't even consider getting creative and developing your own marketing system. You simply don't have the time (and probably the money) to create and test advertisements, content, offers, etc.
You need to investigate proven, turn-key, marketing programs designed specifically for financial advisors. Find one you're comfortable with and go for it! Just resist the temptation to get too creative...when you buy a marketing program you need to stick with the program.
Should You Fire Your Broker/Dealer?
This puts an entirely different spin on this topic. Maybe you're tired of your BD's compliance standards and unpredictable approval process. Maybe you're producing enough for your lifestyle but not enough for your BD's higher production standard. There are alternatives out there to consider who have lower production minimums.
Contact me and I'll give you some suggestions. Got a great BD? Add your comments below and let us know all about them.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing Success OR "You're Fired!"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: This Wall Street Journal article points out that many Regional Broker/Dealers are raising minimum production amounts. If you're feeling some heat from your broker/dealer, you have two choices. Improve your marketing to raise your production...or fire your BD! After the article you can find ideas on both of these choices.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: This Wall Street Journal article points out that many Regional Broker/Dealers are raising minimum production amounts. If you're feeling some heat from your broker/dealer, you have two choices. Improve your marketing to raise your production...or fire your BD! After the article you can find ideas on both of these choices.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/800-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/800-autosave/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. You can take stronger positions when it comes to financial planning matters. Why? Because you are an expert and should know certain planning approaches are better for "most people." Example, "For most people who own their own home and have over 100,000 in financial assets, estate planning with a living trust is a better option than relying upon a will."
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field.
UPDATE: My friend Burke Allen has over 20 years in PR and the radio industry. He put together a program called Get Your Own Radio Show to help individuals get started in radio.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. You can take stronger positions when it comes to financial planning matters. Why? Because you are an expert and should know certain planning approaches are better for "most people." Example, "For most people who own their own home and have over 100,000 in financial assets, estate planning with a living trust is a better option than relying upon a will."
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field.
UPDATE: My friend Burke Allen has over 20 years in PR and the radio industry. He put together a program called Get Your Own Radio Show to help individuals get started in radio.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Getting a local radio show is a great way to get known in your community as a financial planning expert. Let’s look at the “6 C’s” of having your own radio show....
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Getting a local radio show is a great way to get known in your community as a financial planning expert. Let’s look at the “6 C’s” of having your own radio show....
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=815
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=815
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Getting a local radio show is a great way to get known in your community as a financial planning expert. Let’s look at the “6 C’s” of having your own radio show:
Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Emphasize personal responsibility and not wanting to be dependent on the government in your old age. Be diplomatic!
Cost. Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confidence when you talk on the radio. And toss in a bit of humor so to be more likable and approachable. Self-deprecating humor is best. And please don’t be boring or people will tune you out!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Getting a local radio show is a great way to get known in your community as a financial planning expert. Let’s look at the “6 C’s” of having your own radio show:
Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Emphasize personal responsibility and not wanting to be dependent on the government in your old age. Be diplomatic!
Cost. Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confidence when you talk on the radio. And toss in a bit of humor so to be more likable and approachable. Self-deprecating humor is best. And please don’t be boring or people will tune you out!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Get Your Own Radio Show For Advisor Marketing Success
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/815-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/815-revision/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Getting a local radio show is a great way to get known in your community as a financial planning expert. Let’s look at the “6 C’s” of having your own radio show:
Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Emphasize personal responsibility and not wanting to be dependent on the government in your old age. Be diplomatic!
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. And toss in a bit of humor so to be more likable and approachable. Self-deprecating humor is best. And please don’t be boring or people will tune you out!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Getting a local radio show is a great way to get known in your community as a financial planning expert. Let’s look at the “6 C’s” of having your own radio show:
Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Emphasize personal responsibility and not wanting to be dependent on the government in your old age. Be diplomatic!
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. And toss in a bit of humor so to be more likable and approachable. Self-deprecating humor is best. And please don’t be boring or people will tune you out!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Get Your Own Radio Show For Advisor Marketing Success
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-24 17:01:30
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-24 17:01:30
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-25 00:01:30
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-25 00:01:30
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/815-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/815-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 818
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 818
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-24 17:21:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-24 17:21:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-25 00:21:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-25 00:21:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Getting a local radio show is a great way to get known in your community as a financial planning expert. Let’s look at the “6 C’s” of having your own radio show:
Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. When it comes to financial planning concepts, you can take more controversial stands. Why? Because you
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Getting a local radio show is a great way to get known in your community as a financial planning expert. Let’s look at the “6 C’s” of having your own radio show:
Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. When it comes to financial planning concepts, you can take more controversial stands. Why? Because you
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-24 17:21:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-24 17:21:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-25 00:21:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-25 00:21:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/815-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/815-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 819
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-24 17:41:52
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: hewitt_hugh
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/hewitt_hugh.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/hewitt_hugh.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: attachment
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: image/jpeg
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 820
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 820
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-24 17:28:18
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-24 17:28:18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-25 00:28:18
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-25 00:28:18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Getting a local radio show is a great way to get known in your community as a financial planning expert. Let’s look at the “6 C’s” of having your own radio show:
Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. You can take stronger positions when it comes to financial planning matters. Why? Because you are an expert and should know certain planning approaches are better for "most people." Example, "For most people who own their own home and have over 100,000 in financial assets, estate planning with a living trust is a better option than relying upon a will."
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Getting a local radio show is a great way to get known in your community as a financial planning expert. Let’s look at the “6 C’s” of having your own radio show:
Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. You can take stronger positions when it comes to financial planning matters. Why? Because you are an expert and should know certain planning approaches are better for "most people." Example, "For most people who own their own home and have over 100,000 in financial assets, estate planning with a living trust is a better option than relying upon a will."
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-24 17:28:18
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-24 17:28:18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-25 00:28:18
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-25 00:28:18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/815-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/815-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 821
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 821
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-24 17:42:26
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-24 17:42:26
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-25 00:42:26
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-25 00:42:26
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. You can take stronger positions when it comes to financial planning matters. Why? Because you are an expert and should know certain planning approaches are better for "most people." Example, "For most people who own their own home and have over 100,000 in financial assets, estate planning with a living trust is a better option than relying upon a will."
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. You can take stronger positions when it comes to financial planning matters. Why? Because you are an expert and should know certain planning approaches are better for "most people." Example, "For most people who own their own home and have over 100,000 in financial assets, estate planning with a living trust is a better option than relying upon a will."
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815-revision-5
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815-revision-5
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-24 17:42:26
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-24 17:42:26
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-25 00:42:26
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-25 00:42:26
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/815-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/815-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-25 00:43:06
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. You can take stronger positions when it comes to financial planning matters. Why? Because you are an expert and should know certain planning approaches are better for "most people." Example, "For most people who own their own home and have over 100,000 in financial assets, estate planning with a living trust is a better option than relying upon a will."
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. You can take stronger positions when it comes to financial planning matters. Why? Because you are an expert and should know certain planning approaches are better for "most people." Example, "For most people who own their own home and have over 100,000 in financial assets, estate planning with a living trust is a better option than relying upon a will."
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815-revision-7
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815-revision-7
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-24 17:43:06
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-25 00:43:06
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-25 00:43:06
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/815-revision-7/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/815-revision-7/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-24 17:42:30
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Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. You can take stronger positions when it comes to financial planning matters. Why? Because you are an expert and should know certain planning approaches are better for "most people." Example, "For most people who own their own home and have over 100,000 in financial assets, estate planning with a living trust is a better option than relying upon a will."
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. You can take stronger positions when it comes to financial planning matters. Why? Because you are an expert and should know certain planning approaches are better for "most people." Example, "For most people who own their own home and have over 100,000 in financial assets, estate planning with a living trust is a better option than relying upon a will."
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815-revision-6
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815-revision-6
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-24 17:42:30
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-25 00:42:30
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/815-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/815-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 824
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 824
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-24 17:46:19
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-25 00:46:19
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. You can take stronger positions when it comes to financial planning matters. Why? Because you are an expert and should know certain planning approaches are better for "most people." Example, "For most people who own their own home and have over 100,000 in financial assets, estate planning with a living trust is a better option than relying upon a will."
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. You can take stronger positions when it comes to financial planning matters. Why? Because you are an expert and should know certain planning approaches are better for "most people." Example, "For most people who own their own home and have over 100,000 in financial assets, estate planning with a living trust is a better option than relying upon a will."
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Getting a local radio show is a great way to get known in your community as a financial planning expert. Let’s look at the “6 C’s” of having your own radio show....
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Getting a local radio show is a great way to get known in your community as a financial planning expert. Let’s look at the “6 C’s” of having your own radio show....
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815-revision-8
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-24 17:46:19
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-24 17:46:19
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-25 00:46:19
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-25 00:46:19
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/815-revision-8/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/815-revision-8/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 825
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-26 13:24:02
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-26 13:24:02
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-26 20:24:02
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-26 20:24:02
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. You can take stronger positions when it comes to financial planning matters. Why? Because you are an expert and should know certain planning approaches are better for "most people." Example, "For most people who own their own home and have over 100,000 in financial assets, estate planning with a living trust is a better option than relying upon a will."
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field.
UPDATE: My friend Burke Allen has over 20 years in PR and the radio industry. He put together a program called Get Your Own Radio Show to help individuals get started in radio.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. You can take stronger positions when it comes to financial planning matters. Why? Because you are an expert and should know certain planning approaches are better for "most people." Example, "For most people who own their own home and have over 100,000 in financial assets, estate planning with a living trust is a better option than relying upon a will."
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field.
UPDATE: My friend Burke Allen has over 20 years in PR and the radio industry. He put together a program called Get Your Own Radio Show to help individuals get started in radio.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Getting a local radio show is a great way to get known in your community as a financial planning expert. Let’s look at the “6 C’s” of having your own radio show....
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Getting a local radio show is a great way to get known in your community as a financial planning expert. Let’s look at the “6 C’s” of having your own radio show....
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-26 13:24:02
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-26 13:24:02
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-26 20:24:02
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-26 20:24:02
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/815-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/815-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 826
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-25 17:58:29
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-25 17:58:29
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-26 00:58:29
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-26 00:58:29
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. You can take stronger positions when it comes to financial planning matters. Why? Because you are an expert and should know certain planning approaches are better for "most people." Example, "For most people who own their own home and have over 100,000 in financial assets, estate planning with a living trust is a better option than relying upon a will."
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Contact. A radio show gets you in contact with hundreds or thousands of prospective clients all at once. You build chemistry, establish yourself as an expert and as brave. Not many folks would like to be put on the spot every day or every week. Your clients will enjoy hearing you on the radio and will brag on you so you’ll get more referrals.
Content. Now you’ve gotten a radio show. So what do you talk about? You could do a series of topical shows on various investing and planning areas. You could do a few shows on explaining common investment jargon. You could answer listeners’ questions. The questions could be sent in by email, folks could call your office with questions or you could take them live on air. What do you do if someone asks you a question you can’t answer? No problem, just say, “Great question. Let me do a bit of research and come back tomorrow with a complete answer.” Listeners will appreciate that you admit you don’t know it all. Live Q&A is best and you can do it after you’ve done several shows.
Counsel. You need to give general advice only. You can’t give specific advice because you don’t have the facts of their personal situation. This is a good reason for them to visit you in your office. You also need to be careful not to provide tax or legal advice. Share some air time with your lawyer and CPA and you might see some more referrals down the road.
Controversy. Be especially careful when a listener asks a political question. Your opinion might alienate half your audience. Remember most elections are decided 51% to 49%. Many listeners (and potential clients) will be adamantly opposed to socialism while equally adamant against any cuts to Social Security or Medicare! Emphasize personal responsibility and not wanting to be dependent on the government in your old age. You can take stronger positions when it comes to financial planning matters. Why? Because you are an expert and should know certain planning approaches are better for "most people." Example, "For most people who own their own home and have over 100,000 in financial assets, estate planning with a living trust is a better option than relying upon a will."
Cost . Small towns have smaller audiences so the cost is less. One advisor I help pays $1000 per month for a 15 minute Financial Forum show every business day. Another advisor pays $250 per hour for a one-hour weekly show in a big city. In both cases, they get some advertising spots and can cross-promote their seminars and other events.
Communication. You must learn to be clear, concise, and confident when you talk on the radio. Speak in plain English or people will tune you out! And toss in a bit of humor to be more likable and approachable. Imagine you're speaking to just one person and you'll be more effective (and less nervous).
How do you get started? Talk to your best clients and find out which radio stations they listen to. Contact these stations and speak with the station manager about starting your own radio show. Whether you do a 3-minute "Money Matters" or a 15-minute or one-hour "Financial Forum", you can use radio to build chemistry and trust with thousands of people while establishing yourself as an expert in your field.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Get Your Own Radio Show For Advisor Marketing Success
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Getting a local radio show is a great way to get known in your community as a financial planning expert. Let’s look at the “6 C’s” of having your own radio show....
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Getting a local radio show is a great way to get known in your community as a financial planning expert. Let’s look at the “6 C’s” of having your own radio show....
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815-revision-9
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815-revision-9
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-25 17:58:29
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-25 17:58:29
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-05-26 00:58:29
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-05-26 00:58:29
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/815-revision-9/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/815-revision-9/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 827
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 827
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-01 22:05:03
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-02 05:05:03
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: South Coast magazine, self-described as the “magazine of the California Riviera.” The magazine states “South Coast readers live in households with a median property value of approximately $950,000 with a median age of 41.5, and a median income of approximately $164,000. Our readers are predominately young, affluent, active, educated, well-traveled professionals, who seek challenge in their lives.”
Home value and income levels are high yet the median age is 41.5. Wonderful if you target professionals. Not so great if you target retirees needing estate planning.
The advantage of magazine ads over newspaper advertising is that magazines often will sit around for a month or two before being tossed in the trash. Newspapers come daily and are quickly tossed. These high-gloss magazines are designed to look good sitting on your coffee table. Which increases the chances of your ad being seen.
This advantage becomes a disadvantage if your ad is a dud. You’ll need to live with your ad for a whole month before you can tweak the headline or change the name of the free report.
What should your ad say? Resist the temptation to create a glitzy image ad showing how wonderful you are. Your ad should offer something of real value to get readers to contact your office. You need their contact information so you can follow-up with them later with your newsletter or e-zine. You could offer a free report on retirement planning pitfalls or an invitation to an upcoming community seminar.
Should you try a one-time test? Someone once said the most popular form of gambling for small businesses is advertising. This is especially true of magazine advertising. Don't expect to make a big splash with a big full-page ad run one-time. Even a proven ad in a new publication may need time to work. For monthly magazines budget for 3 months and a weekly magazine budget for 4 weeks minimum to give the ad a fair test. Far better to run a quarter-page ad 3 times than a full-page ad just once.
What size ad should you start with? Many magazines have active classified sections in the back of the magazine. You can start with a small classified ad offering a free report. The ad won’t cost much and can easily pay for itself. Gradually increase the size of the ad as long as the ad is paying for itself. You can add a bigger headline and a splash of color to a small display ad to get more attention. Go to a quarter page ad and keep tracking the results. A half-page ad may pull better than a full-page ad. You won’t know if you don’t track the results.
Who should design your ad? Be careful if the magazine offers to design your ad at no cost. The graphic designers probably aren’t skilled in copywriting. Plus they have a tendency to try to design a beautiful ad versus an effective ad. You don’t want to win a design award...you want to win new clients. You want the ad to pay for itself.
Want to get free advertising? Take a look at the magazine and see if they have a financial columnist or not. Offer to write a monthly column in exchange for some display advertising. How much advertising should you ask for? Let’s assume that your hourly rate is $175 per hour and it takes you an average of 3 hours to write an article. You value your articles at $500 each so ask for twice that in free advertising in lieu of payment. If $1000 buys a quarter page ad, you could do a half-page ad every other month.
Magazine ads should be considered when you know the magazine’s readers match your targeted niche, you have proven ads with tested headlines and offers, and you have the budget to test an ad for several issues in a row.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: South Coast magazine, self-described as the “magazine of the California Riviera.” The magazine states “South Coast readers live in households with a median property value of approximately $950,000 with a median age of 41.5, and a median income of approximately $164,000. Our readers are predominately young, affluent, active, educated, well-traveled professionals, who seek challenge in their lives.”
Home value and income levels are high yet the median age is 41.5. Wonderful if you target professionals. Not so great if you target retirees needing estate planning.
The advantage of magazine ads over newspaper advertising is that magazines often will sit around for a month or two before being tossed in the trash. Newspapers come daily and are quickly tossed. These high-gloss magazines are designed to look good sitting on your coffee table. Which increases the chances of your ad being seen.
This advantage becomes a disadvantage if your ad is a dud. You’ll need to live with your ad for a whole month before you can tweak the headline or change the name of the free report.
What should your ad say? Resist the temptation to create a glitzy image ad showing how wonderful you are. Your ad should offer something of real value to get readers to contact your office. You need their contact information so you can follow-up with them later with your newsletter or e-zine. You could offer a free report on retirement planning pitfalls or an invitation to an upcoming community seminar.
Should you try a one-time test? Someone once said the most popular form of gambling for small businesses is advertising. This is especially true of magazine advertising. Don't expect to make a big splash with a big full-page ad run one-time. Even a proven ad in a new publication may need time to work. For monthly magazines budget for 3 months and a weekly magazine budget for 4 weeks minimum to give the ad a fair test. Far better to run a quarter-page ad 3 times than a full-page ad just once.
What size ad should you start with? Many magazines have active classified sections in the back of the magazine. You can start with a small classified ad offering a free report. The ad won’t cost much and can easily pay for itself. Gradually increase the size of the ad as long as the ad is paying for itself. You can add a bigger headline and a splash of color to a small display ad to get more attention. Go to a quarter page ad and keep tracking the results. A half-page ad may pull better than a full-page ad. You won’t know if you don’t track the results.
Who should design your ad? Be careful if the magazine offers to design your ad at no cost. The graphic designers probably aren’t skilled in copywriting. Plus they have a tendency to try to design a beautiful ad versus an effective ad. You don’t want to win a design award...you want to win new clients. You want the ad to pay for itself.
Want to get free advertising? Take a look at the magazine and see if they have a financial columnist or not. Offer to write a monthly column in exchange for some display advertising. How much advertising should you ask for? Let’s assume that your hourly rate is $175 per hour and it takes you an average of 3 hours to write an article. You value your articles at $500 each so ask for twice that in free advertising in lieu of payment. If $1000 buys a quarter page ad, you could do a half-page ad every other month.
Magazine ads should be considered when you know the magazine’s readers match your targeted niche, you have proven ads with tested headlines and offers, and you have the budget to test an ad for several issues in a row.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing: Magazine Advertising
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing: Magazine Advertising
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Your city probably has one or more high-gloss magazines targeting the affluent people in your region. Should you advertise in your region’s magazine? First, you must confirm that the readership of the magazine matches the demographics of your targeted clientele. Does the typical reader sound like someone you’d like to have sit across your desk?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Your city probably has one or more high-gloss magazines targeting the affluent people in your region. Should you advertise in your region’s magazine? First, you must confirm that the readership of the magazine matches the demographics of your targeted clientele. Does the typical reader sound like someone you’d like to have sit across your desk?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-01 22:05:03
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=827
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=827
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-01 21:29:36
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/South_Coast_Magazine.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/South_Coast_Magazine.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 829
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-01 21:33:09
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: What should your ad say? Resist the temptation to create a glitzy image ad showing how wonderful you are. Your ad should offer something of real value to get readers to contact your office. This could be a free report or a no-cost portfolio review. You need their contact information so you can follow-up with them later with your newsletter or e-zine. This could be a free report or an invitation to a community seminar.
Should you try a one-time test? Someone once said the most popular form of gambling for small businesses is advertising. This is especially true of magazine advertising. Don't expect to make a big splash with a big full-page ad run one-time. Even a proven ad in a new publication may need time to work. For monthly magazines budget for 3 months and a weekly magazine budget for 4 weeks minimum to give the ad a fair test. Far better to run a quarter-page ad 3 times than a full-page ad just once.
What size ad should you start with? Many magazines have active classified sections in the back of the magazine. You can start with a small classified ad offering a free report. The ad won’t cost much and can easily pay for itself. Gradually increase the size of the ad as long as the ad is paying for itself. You can add a bigger headline and a splash of color to a small display ad to get more attention. Go to a quarter page ad and keep tracking the results. A half-page ad may pull better than a full-page ad. You won’t know if you don’t track the results.
Be careful if the magazine offers to design your ad at no cost. The graphic designers probably aren’t skilled in copywriting. Plus they have a tendency to try to design a beautiful ad versus an effective ad. You don’t want to win a design award...you want to win new clients. You want the ad to pay for itself.
Want to get free advertising? Take a look at the magazine and see if they have a financial columnist or not. Offer to write a monthly column in exchange for some display advertising. How much advertising should you ask for? Let’s assume that your hourly rate is $175 per hour and it takes you an average of 3 hours to write an article. You value your articles at $500 each and ask for twice that in free advertising in lieu of payment. If $1000 buys a quarter page ad, you could do a half-page ad every other month.
Magazine ads should be considered when you know the magazine’s readers match your targeted niche, you have proven ads with tested headlines and offers, and you have the budget to test an ad for several issues in a row.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: What should your ad say? Resist the temptation to create a glitzy image ad showing how wonderful you are. Your ad should offer something of real value to get readers to contact your office. This could be a free report or a no-cost portfolio review. You need their contact information so you can follow-up with them later with your newsletter or e-zine. This could be a free report or an invitation to a community seminar.
Should you try a one-time test? Someone once said the most popular form of gambling for small businesses is advertising. This is especially true of magazine advertising. Don't expect to make a big splash with a big full-page ad run one-time. Even a proven ad in a new publication may need time to work. For monthly magazines budget for 3 months and a weekly magazine budget for 4 weeks minimum to give the ad a fair test. Far better to run a quarter-page ad 3 times than a full-page ad just once.
What size ad should you start with? Many magazines have active classified sections in the back of the magazine. You can start with a small classified ad offering a free report. The ad won’t cost much and can easily pay for itself. Gradually increase the size of the ad as long as the ad is paying for itself. You can add a bigger headline and a splash of color to a small display ad to get more attention. Go to a quarter page ad and keep tracking the results. A half-page ad may pull better than a full-page ad. You won’t know if you don’t track the results.
Be careful if the magazine offers to design your ad at no cost. The graphic designers probably aren’t skilled in copywriting. Plus they have a tendency to try to design a beautiful ad versus an effective ad. You don’t want to win a design award...you want to win new clients. You want the ad to pay for itself.
Want to get free advertising? Take a look at the magazine and see if they have a financial columnist or not. Offer to write a monthly column in exchange for some display advertising. How much advertising should you ask for? Let’s assume that your hourly rate is $175 per hour and it takes you an average of 3 hours to write an article. You value your articles at $500 each and ask for twice that in free advertising in lieu of payment. If $1000 buys a quarter page ad, you could do a half-page ad every other month.
Magazine ads should be considered when you know the magazine’s readers match your targeted niche, you have proven ads with tested headlines and offers, and you have the budget to test an ad for several issues in a row.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing: Magazine Advertising
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing: Magazine Advertising
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 827-revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 827-revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 827
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 827
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/827-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/827-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 830
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-01 21:58:06
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: South Coast magazine, self-described as the “magazine of the California Riviera.” The magazine states “South Coast readers live in households with a median property value of approximately $950,000 with a median age of 41.5, and a median income of approximately $164,000. Our readers are predominately young, affluent, active, educated, well-traveled professionals, who seek challenge in their lives.”
Home value and income levels are high yet the median age is 41.5. Wonderful if you target professionals. Not so great if you target retirees needing estate planning.
The advantage of magazine ads over newspaper advertising is that magazines often will sit around for a month or two before they’er tossed in the trash. Newspapers come daily and are quickly tossed. These high-gloss magazines are designed to look good on your coffee table. Which increases the chances of your ad being seen.
This advantage becomes a disadvantage if your ad is a dud. You’ll need to live with your ad for a whole month before you can tweak the headline or change the name of the free report.
What should your ad say? Resist the temptation to create a glitzy image ad showing how wonderful you are. Your ad should offer something of real value to get readers to contact your office. You need their contact information so you can follow-up with them later with your newsletter or e-zine. You could offer a free report on retirement planning pitfalls or an invitation to an upcoming community seminar.
Should you try a one-time test? Someone once said the most popular form of gambling for small businesses is advertising. This is especially true of magazine advertising. Don't expect to make a big splash with a big full-page ad run one-time. Even a proven ad in a new publication may need time to work. For monthly magazines budget for 3 months and a weekly magazine budget for 4 weeks minimum to give the ad a fair test. Far better to run a quarter-page ad 3 times than a full-page ad just once.
What size ad should you start with? Many magazines have active classified sections in the back of the magazine. You can start with a small classified ad offering a free report. The ad won’t cost much and can easily pay for itself. Gradually increase the size of the ad as long as the ad is paying for itself. You can add a bigger headline and a splash of color to a small display ad to get more attention. Go to a quarter page ad and keep tracking the results. A half-page ad may pull better than a full-page ad. You won’t know if you don’t track the results.
Who should design your ad? Be careful if the magazine offers to design your ad at no cost. The graphic designers probably aren’t skilled in copywriting. Plus they have a tendency to try to design a beautiful ad versus an effective ad. You don’t want to win a design award...you want to win new clients. You want the ad to pay for itself.
Want to get free advertising? Take a look at the magazine and see if they have a financial columnist or not. Offer to write a monthly column in exchange for some display advertising. How much advertising should you ask for? Let’s assume that your hourly rate is $175 per hour and it takes you an average of 3 hours to write an article. You value your articles at $500 each so ask for twice that in free advertising in lieu of payment. If $1000 buys a quarter page ad, you could do a half-page ad every other month.
Magazine ads should be considered when you know the magazine’s readers match your targeted niche, you have proven ads with tested headlines and offers, and you have the budget to test an ad for several issues in a row.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: South Coast magazine, self-described as the “magazine of the California Riviera.” The magazine states “South Coast readers live in households with a median property value of approximately $950,000 with a median age of 41.5, and a median income of approximately $164,000. Our readers are predominately young, affluent, active, educated, well-traveled professionals, who seek challenge in their lives.”
Home value and income levels are high yet the median age is 41.5. Wonderful if you target professionals. Not so great if you target retirees needing estate planning.
The advantage of magazine ads over newspaper advertising is that magazines often will sit around for a month or two before they’er tossed in the trash. Newspapers come daily and are quickly tossed. These high-gloss magazines are designed to look good on your coffee table. Which increases the chances of your ad being seen.
This advantage becomes a disadvantage if your ad is a dud. You’ll need to live with your ad for a whole month before you can tweak the headline or change the name of the free report.
What should your ad say? Resist the temptation to create a glitzy image ad showing how wonderful you are. Your ad should offer something of real value to get readers to contact your office. You need their contact information so you can follow-up with them later with your newsletter or e-zine. You could offer a free report on retirement planning pitfalls or an invitation to an upcoming community seminar.
Should you try a one-time test? Someone once said the most popular form of gambling for small businesses is advertising. This is especially true of magazine advertising. Don't expect to make a big splash with a big full-page ad run one-time. Even a proven ad in a new publication may need time to work. For monthly magazines budget for 3 months and a weekly magazine budget for 4 weeks minimum to give the ad a fair test. Far better to run a quarter-page ad 3 times than a full-page ad just once.
What size ad should you start with? Many magazines have active classified sections in the back of the magazine. You can start with a small classified ad offering a free report. The ad won’t cost much and can easily pay for itself. Gradually increase the size of the ad as long as the ad is paying for itself. You can add a bigger headline and a splash of color to a small display ad to get more attention. Go to a quarter page ad and keep tracking the results. A half-page ad may pull better than a full-page ad. You won’t know if you don’t track the results.
Who should design your ad? Be careful if the magazine offers to design your ad at no cost. The graphic designers probably aren’t skilled in copywriting. Plus they have a tendency to try to design a beautiful ad versus an effective ad. You don’t want to win a design award...you want to win new clients. You want the ad to pay for itself.
Want to get free advertising? Take a look at the magazine and see if they have a financial columnist or not. Offer to write a monthly column in exchange for some display advertising. How much advertising should you ask for? Let’s assume that your hourly rate is $175 per hour and it takes you an average of 3 hours to write an article. You value your articles at $500 each so ask for twice that in free advertising in lieu of payment. If $1000 buys a quarter page ad, you could do a half-page ad every other month.
Magazine ads should be considered when you know the magazine’s readers match your targeted niche, you have proven ads with tested headlines and offers, and you have the budget to test an ad for several issues in a row.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing: Magazine Advertising
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing: Magazine Advertising
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-01 21:58:06
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-01 21:58:06
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-02 04:58:06
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 827
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/827-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/827-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 831
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 831
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-01 21:58:32
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-01 21:58:32
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-02 04:58:32
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-02 04:58:32
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: South Coast magazine, self-described as the “magazine of the California Riviera.” The magazine states “South Coast readers live in households with a median property value of approximately $950,000 with a median age of 41.5, and a median income of approximately $164,000. Our readers are predominately young, affluent, active, educated, well-traveled professionals, who seek challenge in their lives.”
Home value and income levels are high yet the median age is 41.5. Wonderful if you target professionals. Not so great if you target retirees needing estate planning.
The advantage of magazine ads over newspaper advertising is that magazines often will sit around for a month or two before they’er tossed in the trash. Newspapers come daily and are quickly tossed. These high-gloss magazines are designed to look good on your coffee table. Which increases the chances of your ad being seen.
This advantage becomes a disadvantage if your ad is a dud. You’ll need to live with your ad for a whole month before you can tweak the headline or change the name of the free report.
What should your ad say? Resist the temptation to create a glitzy image ad showing how wonderful you are. Your ad should offer something of real value to get readers to contact your office. You need their contact information so you can follow-up with them later with your newsletter or e-zine. You could offer a free report on retirement planning pitfalls or an invitation to an upcoming community seminar.
Should you try a one-time test? Someone once said the most popular form of gambling for small businesses is advertising. This is especially true of magazine advertising. Don't expect to make a big splash with a big full-page ad run one-time. Even a proven ad in a new publication may need time to work. For monthly magazines budget for 3 months and a weekly magazine budget for 4 weeks minimum to give the ad a fair test. Far better to run a quarter-page ad 3 times than a full-page ad just once.
What size ad should you start with? Many magazines have active classified sections in the back of the magazine. You can start with a small classified ad offering a free report. The ad won’t cost much and can easily pay for itself. Gradually increase the size of the ad as long as the ad is paying for itself. You can add a bigger headline and a splash of color to a small display ad to get more attention. Go to a quarter page ad and keep tracking the results. A half-page ad may pull better than a full-page ad. You won’t know if you don’t track the results.
Who should design your ad? Be careful if the magazine offers to design your ad at no cost. The graphic designers probably aren’t skilled in copywriting. Plus they have a tendency to try to design a beautiful ad versus an effective ad. You don’t want to win a design award...you want to win new clients. You want the ad to pay for itself.
Want to get free advertising? Take a look at the magazine and see if they have a financial columnist or not. Offer to write a monthly column in exchange for some display advertising. How much advertising should you ask for? Let’s assume that your hourly rate is $175 per hour and it takes you an average of 3 hours to write an article. You value your articles at $500 each so ask for twice that in free advertising in lieu of payment. If $1000 buys a quarter page ad, you could do a half-page ad every other month.
Magazine ads should be considered when you know the magazine’s readers match your targeted niche, you have proven ads with tested headlines and offers, and you have the budget to test an ad for several issues in a row.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: South Coast magazine, self-described as the “magazine of the California Riviera.” The magazine states “South Coast readers live in households with a median property value of approximately $950,000 with a median age of 41.5, and a median income of approximately $164,000. Our readers are predominately young, affluent, active, educated, well-traveled professionals, who seek challenge in their lives.”
Home value and income levels are high yet the median age is 41.5. Wonderful if you target professionals. Not so great if you target retirees needing estate planning.
The advantage of magazine ads over newspaper advertising is that magazines often will sit around for a month or two before they’er tossed in the trash. Newspapers come daily and are quickly tossed. These high-gloss magazines are designed to look good on your coffee table. Which increases the chances of your ad being seen.
This advantage becomes a disadvantage if your ad is a dud. You’ll need to live with your ad for a whole month before you can tweak the headline or change the name of the free report.
What should your ad say? Resist the temptation to create a glitzy image ad showing how wonderful you are. Your ad should offer something of real value to get readers to contact your office. You need their contact information so you can follow-up with them later with your newsletter or e-zine. You could offer a free report on retirement planning pitfalls or an invitation to an upcoming community seminar.
Should you try a one-time test? Someone once said the most popular form of gambling for small businesses is advertising. This is especially true of magazine advertising. Don't expect to make a big splash with a big full-page ad run one-time. Even a proven ad in a new publication may need time to work. For monthly magazines budget for 3 months and a weekly magazine budget for 4 weeks minimum to give the ad a fair test. Far better to run a quarter-page ad 3 times than a full-page ad just once.
What size ad should you start with? Many magazines have active classified sections in the back of the magazine. You can start with a small classified ad offering a free report. The ad won’t cost much and can easily pay for itself. Gradually increase the size of the ad as long as the ad is paying for itself. You can add a bigger headline and a splash of color to a small display ad to get more attention. Go to a quarter page ad and keep tracking the results. A half-page ad may pull better than a full-page ad. You won’t know if you don’t track the results.
Who should design your ad? Be careful if the magazine offers to design your ad at no cost. The graphic designers probably aren’t skilled in copywriting. Plus they have a tendency to try to design a beautiful ad versus an effective ad. You don’t want to win a design award...you want to win new clients. You want the ad to pay for itself.
Want to get free advertising? Take a look at the magazine and see if they have a financial columnist or not. Offer to write a monthly column in exchange for some display advertising. How much advertising should you ask for? Let’s assume that your hourly rate is $175 per hour and it takes you an average of 3 hours to write an article. You value your articles at $500 each so ask for twice that in free advertising in lieu of payment. If $1000 buys a quarter page ad, you could do a half-page ad every other month.
Magazine ads should be considered when you know the magazine’s readers match your targeted niche, you have proven ads with tested headlines and offers, and you have the budget to test an ad for several issues in a row.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing: Magazine Advertising
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing: Magazine Advertising
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 827-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 827-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-01 21:58:32
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-01 21:58:32
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-02 04:58:32
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-02 04:58:32
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 827
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 827
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/827-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/827-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 832
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 832
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-01 22:02:06
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-01 22:02:06
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-02 05:02:06
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-02 05:02:06
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: South Coast magazine, self-described as the “magazine of the California Riviera.” The magazine states “South Coast readers live in households with a median property value of approximately $950,000 with a median age of 41.5, and a median income of approximately $164,000. Our readers are predominately young, affluent, active, educated, well-traveled professionals, who seek challenge in their lives.”
Home value and income levels are high yet the median age is 41.5. Wonderful if you target professionals. Not so great if you target retirees needing estate planning.
The advantage of magazine ads over newspaper advertising is that magazines often will sit around for a month or two before being tossed in the trash. Newspapers come daily and are quickly tossed. These high-gloss magazines are designed to look good sitting on your coffee table. Which increases the chances of your ad being seen.
This advantage becomes a disadvantage if your ad is a dud. You’ll need to live with your ad for a whole month before you can tweak the headline or change the name of the free report.
What should your ad say? Resist the temptation to create a glitzy image ad showing how wonderful you are. Your ad should offer something of real value to get readers to contact your office. You need their contact information so you can follow-up with them later with your newsletter or e-zine. You could offer a free report on retirement planning pitfalls or an invitation to an upcoming community seminar.
Should you try a one-time test? Someone once said the most popular form of gambling for small businesses is advertising. This is especially true of magazine advertising. Don't expect to make a big splash with a big full-page ad run one-time. Even a proven ad in a new publication may need time to work. For monthly magazines budget for 3 months and a weekly magazine budget for 4 weeks minimum to give the ad a fair test. Far better to run a quarter-page ad 3 times than a full-page ad just once.
What size ad should you start with? Many magazines have active classified sections in the back of the magazine. You can start with a small classified ad offering a free report. The ad won’t cost much and can easily pay for itself. Gradually increase the size of the ad as long as the ad is paying for itself. You can add a bigger headline and a splash of color to a small display ad to get more attention. Go to a quarter page ad and keep tracking the results. A half-page ad may pull better than a full-page ad. You won’t know if you don’t track the results.
Who should design your ad? Be careful if the magazine offers to design your ad at no cost. The graphic designers probably aren’t skilled in copywriting. Plus they have a tendency to try to design a beautiful ad versus an effective ad. You don’t want to win a design award...you want to win new clients. You want the ad to pay for itself.
Want to get free advertising? Take a look at the magazine and see if they have a financial columnist or not. Offer to write a monthly column in exchange for some display advertising. How much advertising should you ask for? Let’s assume that your hourly rate is $175 per hour and it takes you an average of 3 hours to write an article. You value your articles at $500 each so ask for twice that in free advertising in lieu of payment. If $1000 buys a quarter page ad, you could do a half-page ad every other month.
Magazine ads should be considered when you know the magazine’s readers match your targeted niche, you have proven ads with tested headlines and offers, and you have the budget to test an ad for several issues in a row.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: South Coast magazine, self-described as the “magazine of the California Riviera.” The magazine states “South Coast readers live in households with a median property value of approximately $950,000 with a median age of 41.5, and a median income of approximately $164,000. Our readers are predominately young, affluent, active, educated, well-traveled professionals, who seek challenge in their lives.”
Home value and income levels are high yet the median age is 41.5. Wonderful if you target professionals. Not so great if you target retirees needing estate planning.
The advantage of magazine ads over newspaper advertising is that magazines often will sit around for a month or two before being tossed in the trash. Newspapers come daily and are quickly tossed. These high-gloss magazines are designed to look good sitting on your coffee table. Which increases the chances of your ad being seen.
This advantage becomes a disadvantage if your ad is a dud. You’ll need to live with your ad for a whole month before you can tweak the headline or change the name of the free report.
What should your ad say? Resist the temptation to create a glitzy image ad showing how wonderful you are. Your ad should offer something of real value to get readers to contact your office. You need their contact information so you can follow-up with them later with your newsletter or e-zine. You could offer a free report on retirement planning pitfalls or an invitation to an upcoming community seminar.
Should you try a one-time test? Someone once said the most popular form of gambling for small businesses is advertising. This is especially true of magazine advertising. Don't expect to make a big splash with a big full-page ad run one-time. Even a proven ad in a new publication may need time to work. For monthly magazines budget for 3 months and a weekly magazine budget for 4 weeks minimum to give the ad a fair test. Far better to run a quarter-page ad 3 times than a full-page ad just once.
What size ad should you start with? Many magazines have active classified sections in the back of the magazine. You can start with a small classified ad offering a free report. The ad won’t cost much and can easily pay for itself. Gradually increase the size of the ad as long as the ad is paying for itself. You can add a bigger headline and a splash of color to a small display ad to get more attention. Go to a quarter page ad and keep tracking the results. A half-page ad may pull better than a full-page ad. You won’t know if you don’t track the results.
Who should design your ad? Be careful if the magazine offers to design your ad at no cost. The graphic designers probably aren’t skilled in copywriting. Plus they have a tendency to try to design a beautiful ad versus an effective ad. You don’t want to win a design award...you want to win new clients. You want the ad to pay for itself.
Want to get free advertising? Take a look at the magazine and see if they have a financial columnist or not. Offer to write a monthly column in exchange for some display advertising. How much advertising should you ask for? Let’s assume that your hourly rate is $175 per hour and it takes you an average of 3 hours to write an article. You value your articles at $500 each so ask for twice that in free advertising in lieu of payment. If $1000 buys a quarter page ad, you could do a half-page ad every other month.
Magazine ads should be considered when you know the magazine’s readers match your targeted niche, you have proven ads with tested headlines and offers, and you have the budget to test an ad for several issues in a row.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing: Magazine Advertising
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing: Magazine Advertising
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 827-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 827-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-01 22:02:06
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-01 22:02:06
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-02 05:02:06
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-02 05:02:06
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 827
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 827
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/827-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/827-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 833
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 833
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-01 22:06:07
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-01 22:06:07
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-02 05:06:07
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-02 05:06:07
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: South Coast magazine, self-described as the “magazine of the California Riviera.” The magazine states “South Coast readers live in households with a median property value of approximately $950,000 with a median age of 41.5, and a median income of approximately $164,000. Our readers are predominately young, affluent, active, educated, well-traveled professionals, who seek challenge in their lives.”
Home value and income levels are high yet the median age is 41.5. Wonderful if you target professionals. Not so great if you target retirees needing estate planning.
The advantage of magazine ads over newspaper advertising is that magazines often will sit around for a month or two before being tossed in the trash. Newspapers come daily and are quickly tossed. These high-gloss magazines are designed to look good sitting on your coffee table. Which increases the chances of your ad being seen.
This advantage becomes a disadvantage if your ad is a dud. You’ll need to live with your ad for a whole month before you can tweak the headline or change the name of the free report.
What should your ad say? Resist the temptation to create a glitzy image ad showing how wonderful you are. Your ad should offer something of real value to get readers to contact your office. You need their contact information so you can follow-up with them later with your newsletter or e-zine. You could offer a free report on retirement planning pitfalls or an invitation to an upcoming community seminar.
Should you try a one-time test? Someone once said the most popular form of gambling for small businesses is advertising. This is especially true of magazine advertising. Don't expect to make a big splash with a big full-page ad run one-time. Even a proven ad in a new publication may need time to work. For monthly magazines budget for 3 months and a weekly magazine budget for 4 weeks minimum to give the ad a fair test. Far better to run a quarter-page ad 3 times than a full-page ad just once.
What size ad should you start with? Many magazines have active classified sections in the back of the magazine. You can start with a small classified ad offering a free report. The ad won’t cost much and can easily pay for itself. Gradually increase the size of the ad as long as the ad is paying for itself. You can add a bigger headline and a splash of color to a small display ad to get more attention. Go to a quarter page ad and keep tracking the results. A half-page ad may pull better than a full-page ad. You won’t know if you don’t track the results.
Who should design your ad? Be careful if the magazine offers to design your ad at no cost. The graphic designers probably aren’t skilled in copywriting. Plus they have a tendency to try to design a beautiful ad versus an effective ad. You don’t want to win a design award...you want to win new clients. You want the ad to pay for itself.
Want to get free advertising? Take a look at the magazine and see if they have a financial columnist or not. Offer to write a monthly column in exchange for some display advertising. How much advertising should you ask for? Let’s assume that your hourly rate is $175 per hour and it takes you an average of 3 hours to write an article. You value your articles at $500 each so ask for twice that in free advertising in lieu of payment. If $1000 buys a quarter page ad, you could do a half-page ad every other month.
Magazine ads should be considered when you know the magazine’s readers match your targeted niche, you have proven ads with tested headlines and offers, and you have the budget to test an ad for several issues in a row.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: South Coast magazine, self-described as the “magazine of the California Riviera.” The magazine states “South Coast readers live in households with a median property value of approximately $950,000 with a median age of 41.5, and a median income of approximately $164,000. Our readers are predominately young, affluent, active, educated, well-traveled professionals, who seek challenge in their lives.”
Home value and income levels are high yet the median age is 41.5. Wonderful if you target professionals. Not so great if you target retirees needing estate planning.
The advantage of magazine ads over newspaper advertising is that magazines often will sit around for a month or two before being tossed in the trash. Newspapers come daily and are quickly tossed. These high-gloss magazines are designed to look good sitting on your coffee table. Which increases the chances of your ad being seen.
This advantage becomes a disadvantage if your ad is a dud. You’ll need to live with your ad for a whole month before you can tweak the headline or change the name of the free report.
What should your ad say? Resist the temptation to create a glitzy image ad showing how wonderful you are. Your ad should offer something of real value to get readers to contact your office. You need their contact information so you can follow-up with them later with your newsletter or e-zine. You could offer a free report on retirement planning pitfalls or an invitation to an upcoming community seminar.
Should you try a one-time test? Someone once said the most popular form of gambling for small businesses is advertising. This is especially true of magazine advertising. Don't expect to make a big splash with a big full-page ad run one-time. Even a proven ad in a new publication may need time to work. For monthly magazines budget for 3 months and a weekly magazine budget for 4 weeks minimum to give the ad a fair test. Far better to run a quarter-page ad 3 times than a full-page ad just once.
What size ad should you start with? Many magazines have active classified sections in the back of the magazine. You can start with a small classified ad offering a free report. The ad won’t cost much and can easily pay for itself. Gradually increase the size of the ad as long as the ad is paying for itself. You can add a bigger headline and a splash of color to a small display ad to get more attention. Go to a quarter page ad and keep tracking the results. A half-page ad may pull better than a full-page ad. You won’t know if you don’t track the results.
Who should design your ad? Be careful if the magazine offers to design your ad at no cost. The graphic designers probably aren’t skilled in copywriting. Plus they have a tendency to try to design a beautiful ad versus an effective ad. You don’t want to win a design award...you want to win new clients. You want the ad to pay for itself.
Want to get free advertising? Take a look at the magazine and see if they have a financial columnist or not. Offer to write a monthly column in exchange for some display advertising. How much advertising should you ask for? Let’s assume that your hourly rate is $175 per hour and it takes you an average of 3 hours to write an article. You value your articles at $500 each so ask for twice that in free advertising in lieu of payment. If $1000 buys a quarter page ad, you could do a half-page ad every other month.
Magazine ads should be considered when you know the magazine’s readers match your targeted niche, you have proven ads with tested headlines and offers, and you have the budget to test an ad for several issues in a row.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Marketing: Magazine Advertising
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Marketing: Magazine Advertising
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Your city probably has one or more high-gloss magazines targeting the affluent people in your region. Should you advertise in your region’s magazine? First, you must confirm that the readership of the magazine matches the demographics of your targeted clientele. Does the typical reader sound like someone you’d like to have sit across your desk?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Your city probably has one or more high-gloss magazines targeting the affluent people in your region. Should you advertise in your region’s magazine? First, you must confirm that the readership of the magazine matches the demographics of your targeted clientele. Does the typical reader sound like someone you’d like to have sit across your desk?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 827-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 827-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-01 22:06:07
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-01 22:06:07
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-02 05:06:07
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/827-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/827-autosave/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: About Richard Emmons
"Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: About Richard Emmons
"Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: About
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Copywriting That Gets Results
If you are looking for a "virtual" VP of Marketing then take a look at Richard's Advisor Marketing Makeover program. Learn how Richard Emmons can perform a systematic consulting approach to grow your practice.
As part of the consulting process, Richard writes the "copy" or sales message which appears in his clients' brochures, website, sales letters, and other marketing materials.
Copywriting has been defined as "salesmanship in print." The goal of powerful, persuasive copywriting is to get people to "take action." This can include buying a product or service, attending a seminar, or referring friends to a favorite business.
Schedule permitting, Richard takes on new copywriting clients who do not want a complete "marketing makeover." If you just want Richard to write the copy for a new advertisement, brochure, website, sales letter, etc. then contact Richard for information regarding his copywriting services.
Past copywriting projects have included:
Sales Letters
Display ads including Yellow Pages ads
Websites
E-mail campaigns
Client newsletters
Postcards
Marketing White Papers
Help wanted ads
Fundraising letters
TV and radio commercial scripts
Contact Richard to get more information about any of these copywriting services.
He can also help you rent a mailing list so you can target your prospecting at the "better buyers" in your market.
Once the copywriting process is complete, Richard's graphic designer will give your marketing piece that finished look which really gets attention.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Copywriting That Gets Results
If you are looking for a "virtual" VP of Marketing then take a look at Richard's Advisor Marketing Makeover program. Learn how Richard Emmons can perform a systematic consulting approach to grow your practice.
As part of the consulting process, Richard writes the "copy" or sales message which appears in his clients' brochures, website, sales letters, and other marketing materials.
Copywriting has been defined as "salesmanship in print." The goal of powerful, persuasive copywriting is to get people to "take action." This can include buying a product or service, attending a seminar, or referring friends to a favorite business.
Schedule permitting, Richard takes on new copywriting clients who do not want a complete "marketing makeover." If you just want Richard to write the copy for a new advertisement, brochure, website, sales letter, etc. then contact Richard for information regarding his copywriting services.
Past copywriting projects have included:
Sales Letters
Display ads including Yellow Pages ads
Websites
E-mail campaigns
Client newsletters
Postcards
Marketing White Papers
Help wanted ads
Fundraising letters
TV and radio commercial scripts
Contact Richard to get more information about any of these copywriting services.
He can also help you rent a mailing list so you can target your prospecting at the "better buyers" in your market.
Once the copywriting process is complete, Richard's graphic designer will give your marketing piece that finished look which really gets attention.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Copywriting
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/710-revision-5/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: About Richard Emmons
"Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: About Richard Emmons
"Having a "Director of Marketing" on demand when my company needs help has been key to our company's growth because timing and implementation are paramount. Richard Emmons has provided my company with a suite of marketing services including copywriting, seminar organization and promotion, strategic alliances and existing client communications activities. Not only has my financial planning practice grown over 300% in the last 12 months, I am also helping people I enjoy working with." David, CFP
As your “virtual marketing director,” Richard can also help relieve you of compliance headaches common in many industries today. As one advisor put it,
“Richard is very conscientious about doing the job as we discussed. We are in a very demanding and particular industry when it comes to marketing. Richard took the time to do the job right while keeping things moving along at a good pace. Our compliance departments are a nightmare to get advertising and marketing approved for public use. Richard stayed the course and handled all of the nonsense regulations that are a part of marketing in the securities industry.”
Richard Emmons enjoys living in Southern Oregon with his wife and four daughters.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: About
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/790-revision-9/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/790-revision-9/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Thank you very much for buying my book, Million Dollar Marketing Secrets For Financial Advisors.
I have a number of great bonuses for you including templates, worksheets, a marketing calendar and bonus chapters including Getting Noticed With Google Adwords.
[Enter Name]
[Enter Email]
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Thank you very much for buying my book, Million Dollar Marketing Secrets For Financial Advisors.
I have a number of great bonuses for you including templates, worksheets, a marketing calendar and bonus chapters including Getting Noticed With Google Adwords.
[Enter Name]
[Enter Email]
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Book Bonus Registration Page
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Thank you very much for buying my book, Million Dollar Marketing Secrets For Financial Advisors.
I have a number of great bonuses for you including bonus chapters on Getting Noticed With Google Adwords and { }. You'll also find templates for ad insertion orders and more.
[Enter Name]
[Enter Email]
[Where
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Thank you very much for buying my book, Million Dollar Marketing Secrets For Financial Advisors.
I have a number of great bonuses for you including bonus chapters on Getting Noticed With Google Adwords and { }. You'll also find templates for ad insertion orders and more.
[Enter Name]
[Enter Email]
[Where
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Thank you very much for buying my book, Million Dollar Marketing Secrets For Financial Advisors.
I have a number of great bonuses for you including bonus chapters on Getting Noticed With Google Adwords and { }. You'll also find templates for ad insertion orders and more.
[Enter Name]
[Enter Email]
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Thank you very much for buying my book, Million Dollar Marketing Secrets For Financial Advisors.
I have a number of great bonuses for you including bonus chapters on Getting Noticed With Google Adwords and { }. You'll also find templates for ad insertion orders and more.
[Enter Name]
[Enter Email]
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Book Bonus Registration Page
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Thank you very much for buying my book, Million Dollar Marketing Secrets For Financial Advisors.
I have a number of great bonuses for you including bonus chapters on Getting Noticed With Google Adwords and { }. You'll also find templates for ad insertion orders and more.
[Enter Name]
[Enter Email]
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Thank you very much for buying my book, Million Dollar Marketing Secrets For Financial Advisors.
I have a number of great bonuses for you including bonus chapters on Getting Noticed With Google Adwords and { }. You'll also find templates for ad insertion orders and more.
[Enter Name]
[Enter Email]
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Book Bonus Registration Page
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Thank you very much for buying my book, Million Dollar Marketing Secrets For Financial Advisors.
I have a number of great bonuses for you including templates, worksheets, a marketing calendar and bonus chapters including Getting Noticed With Google Adwords.
[Enter Name]
[Enter Email]
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Thank you very much for buying my book, Million Dollar Marketing Secrets For Financial Advisors.
I have a number of great bonuses for you including templates, worksheets, a marketing calendar and bonus chapters including Getting Noticed With Google Adwords.
[Enter Name]
[Enter Email]
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Book Bonus Registration Page
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: [caption id="attachment_851" align="alignright" width="300" caption="Brett Coomer/Houston Chronicle, via Associated Press"]New York Times article misleading? Yes, 2010 is a great year to die, especially if you have lots of money. This Texas Billionaire was ranked 74 on the Forbes 400 with an estimated estate of $9 billion. Yes, that's a number 9 with 9 zeros after it. So did he really escape paying taxes on his estate?
Texas is one of many states which tie its state estate tax to the federal estate tax. No federal estate tax in 2010 means no Texas state estate tax either. So far, so good. The family escaped the estate tax and saves billions of dollars in estate tax.
Let's not forget that the failure of Congress to extend the 2009 federal estate tax rate and exemption levels dramatically increased capital gains taxes on families inheriting appreciated assets. Many families would be better off under 2009 tax laws .
This billionaire's family would be better off in any case even if the $9 billion was entirely subject to capital gains tax at 15%. Texas has no personal capital gains tax because it has no personal income tax.
This billionaire's timely death may change history in two ways. First, the publicity might push Congress into bringing back the "death tax" in this election year. Second, Congress might not make the resulting estate tax rates and exemptions retro-active to January 1, 2010. This man's family has billions of reasons to fight the constitutionality of any retro-active estate tax in the courts. We'll see what happens.
You can read the article below to learn more.
Legacy for One Billionaire: Death, but No Taxes
By DAVID KOCIENIEWSKI
A Texas pipeline tycoon who died two months ago may become the first American billionaire allowed to pass his fortune to his children and grandchildren tax-free.
Dan L. Duncan, a soft-spoken farm boy who started with $10,000 and two propane trucks, and built a network of natural gas processing plants and pipelines that made him the richest person in Houston, died in late March of a brain hemorrhage at 77.
Had his life ended three months earlier, Mr. Duncan’s riches — Forbes magazine estimated his worth at $9 billion, ranking him as the 74th wealthiest in the world — would have been subject to a federal tax of at least 45 percent. If he had lived past Jan. 1, 2011, the rate would be even higher — 55 percent.
Instead, because Congress allowed the tax to lapse for one year and gave all estates a free pass in 2010, Mr. Duncan’s four children and four grandchildren stand to collect billions that in any other year would have gone to the Treasury.
The United States enacted an estate tax in 1916, and when John D. Rockefeller, America’s first billionaire, died in 1937, his estate paid 70 percent. Since then, the rates have fluctuated, but this is the first time the tax has been repealed altogether.
Perhaps Congress will ask the executors of the 5500 estates which paid estate taxes if they are "unsettled" about the demise of the federal estate tax.
The bonanza in tax savings for Mr. Duncan’s descendants is sure to be unsettling to those who have paid estate taxes on more modest wealth — until Jan. 1 of this year, it applied to any estate valued at more than $3.5 million, taxing only the money exceeding that threshold, or $7 million for a couple’s estate.
Although the tax affects only about 5,500 estates a year, it is such an incendiary issue that when Congress unexpectedly let it lapse at the end of 2009, financial advisers warned that it might play a macabre factor in the end-of-life decisions being weighed by heirs of elderly Americans. Some estate lawyers worried that tax considerations might prompt their clients to keep an ill relative on life support through the end of 2009 to get the favorable treatment — or worse, resist life-prolonging measures to hasten a relative’s demise before the end of 2010.
The one-year lapse in the estate tax was signed into law by President George W. Bush in 2001, an accounting quirk in his package of tax cuts. Although Democrats pledged to close that gap and reinstate a tax for 2010 when they took control of Congress, they failed to reach an agreement last December. The Senate Finance Committee is now trying to forge a compromise that would reinstate the tax, but even if that effort succeeds, it is unclear whether any changes might be retroactive and applied to those who have died so far in 2010.
Many lawyers say Mr. Duncan’s heirs have the means and motivation to wage a fierce court battle to challenge the constitutionality of any retroactive tax.
Many advisors call the estate tax the "optional tax" because it can be avoided with proper estate planning.
The Treasury collected more than $25 billion in estate taxes in 2008, the most recent year for which data is available.Elaborate estate plans with sophisticated trusts are often made many years before death to reduce estate taxes owed by the richest.
It sounds like this billionaire used a trust to minimize estate taxes. And avoid the expense, delays and hassles of probate. Plus keep things private. Not to mention avoiding conservatorship in case of disability. This article raise awareness of living trusts as an important part of estate planning .
Mr. Duncan’s eldest daughter, Randa Duncan Williams, is serving as executor of the estate and is a voting member of the family trust that will now control her father’s interest in Enterprise GP Holdings.
Should the family trust sell these inherited shares, capital gains taxes would presumably be owed on the difference between Mr. Duncan’s original cost, which could be quite low, and their market value when sold. Capital gains taxes are capped at 15 percent.
If the estate tax is the "optional tax" then the capital gains tax is the "pay it when you want to tax." Just sell the asset and pay the tax. At 15% rather than the 45% estate tax.
Ms. Williams, who has served as a director and general partner at the family’s energy businesses for years, was deeply involved in her father’s philanthropic efforts and is expected to continue much of that charitable work.
During his life, Mr. Duncan contributed to a wide assortment of wildlife foundations and community institutions like the Houston Zoo and Houston Museum of Science, and an assortment of medical institutions. The various medical centers at Baylor College of Medicine received more than $250 million from Mr. Duncan and his wife, with more than $100 million used to found the Dan L. Duncan Cancer Center.
Like Bill Gates and Warren Buffet, this billionaire avoids estate tax by contributing money to nonprofit groups and foundations.
Mr. Duncan’s will designates a handful of nonprofit groups and charitable foundations that will receive donations, all of which would have been tax-exempt even in years when the estate tax was in effect.
Ironically, this big-game hunter made his biggest kill by avoiding the federal estate tax.
An avid big game hunter — Mr. Duncan has more than 500 entries in the Safari Club International record book for killing animals including polar bears, rhinoceroses, bighorn sheep, lions and elephants — he made a $1 million donation in his will to the Shikar Safari Club International Foundation.
Read the rest of the story. New York Times article misleading? Yes, 2010 is a great year to die, especially if you have lots of money. This Texas Billionaire was ranked 74 on the Forbes 400 with an estimated estate of $9 billion. Yes, that's a number 9 with 9 zeros after it. So did he really escape paying taxes on his estate?
Texas is one of many states which tie its state estate tax to the federal estate tax. No federal estate tax in 2010 means no Texas state estate tax either. So far, so good. The family escaped the estate tax and saves billions of dollars in estate tax.
Let's not forget that the failure of Congress to extend the 2009 federal estate tax rate and exemption levels dramatically increased capital gains taxes on families inheriting appreciated assets. Many families would be better off under 2009 tax laws .
This billionaire's family would be better off in any case even if the $9 billion was entirely subject to capital gains tax at 15%. Texas has no personal capital gains tax because it has no personal income tax.
This billionaire's timely death may change history in two ways. First, the publicity might push Congress into bringing back the "death tax" in this election year. Second, Congress might not make the resulting estate tax rates and exemptions retro-active to January 1, 2010. This man's family has billions of reasons to fight the constitutionality of any retro-active estate tax in the courts. We'll see what happens.
You can read the article below to learn more.
Legacy for One Billionaire: Death, but No Taxes
By DAVID KOCIENIEWSKI
A Texas pipeline tycoon who died two months ago may become the first American billionaire allowed to pass his fortune to his children and grandchildren tax-free.
Dan L. Duncan, a soft-spoken farm boy who started with $10,000 and two propane trucks, and built a network of natural gas processing plants and pipelines that made him the richest person in Houston, died in late March of a brain hemorrhage at 77.
Had his life ended three months earlier, Mr. Duncan’s riches — Forbes magazine estimated his worth at $9 billion, ranking him as the 74th wealthiest in the world — would have been subject to a federal tax of at least 45 percent. If he had lived past Jan. 1, 2011, the rate would be even higher — 55 percent.
Instead, because Congress allowed the tax to lapse for one year and gave all estates a free pass in 2010, Mr. Duncan’s four children and four grandchildren stand to collect billions that in any other year would have gone to the Treasury.
The United States enacted an estate tax in 1916, and when John D. Rockefeller, America’s first billionaire, died in 1937, his estate paid 70 percent. Since then, the rates have fluctuated, but this is the first time the tax has been repealed altogether.
Perhaps Congress will ask the executors of the 5500 estates which paid estate taxes if they are "unsettled" about the demise of the federal estate tax.
The bonanza in tax savings for Mr. Duncan’s descendants is sure to be unsettling to those who have paid estate taxes on more modest wealth — until Jan. 1 of this year, it applied to any estate valued at more than $3.5 million, taxing only the money exceeding that threshold, or $7 million for a couple’s estate.
Although the tax affects only about 5,500 estates a year, it is such an incendiary issue that when Congress unexpectedly let it lapse at the end of 2009, financial advisers warned that it might play a macabre factor in the end-of-life decisions being weighed by heirs of elderly Americans. Some estate lawyers worried that tax considerations might prompt their clients to keep an ill relative on life support through the end of 2009 to get the favorable treatment — or worse, resist life-prolonging measures to hasten a relative’s demise before the end of 2010.
The one-year lapse in the estate tax was signed into law by President George W. Bush in 2001, an accounting quirk in his package of tax cuts. Although Democrats pledged to close that gap and reinstate a tax for 2010 when they took control of Congress, they failed to reach an agreement last December. The Senate Finance Committee is now trying to forge a compromise that would reinstate the tax, but even if that effort succeeds, it is unclear whether any changes might be retroactive and applied to those who have died so far in 2010.
Many lawyers say Mr. Duncan’s heirs have the means and motivation to wage a fierce court battle to challenge the constitutionality of any retroactive tax.
Many advisors call the estate tax the "optional tax" because it can be avoided with proper estate planning.
The Treasury collected more than $25 billion in estate taxes in 2008, the most recent year for which data is available.Elaborate estate plans with sophisticated trusts are often made many years before death to reduce estate taxes owed by the richest.
It sounds like this billionaire used a trust to minimize estate taxes. And avoid the expense, delays and hassles of probate. Plus keep things private. Not to mention avoiding conservatorship in case of disability. This article raise awareness of living trusts as an important part of estate planning .
Mr. Duncan’s eldest daughter, Randa Duncan Williams, is serving as executor of the estate and is a voting member of the family trust that will now control her father’s interest in Enterprise GP Holdings.
Should the family trust sell these inherited shares, capital gains taxes would presumably be owed on the difference between Mr. Duncan’s original cost, which could be quite low, and their market value when sold. Capital gains taxes are capped at 15 percent.
If the estate tax is the "optional tax" then the capital gains tax is the "pay it when you want to tax." Just sell the asset and pay the tax. At 15% rather than the 45% estate tax.
Ms. Williams, who has served as a director and general partner at the family’s energy businesses for years, was deeply involved in her father’s philanthropic efforts and is expected to continue much of that charitable work.
During his life, Mr. Duncan contributed to a wide assortment of wildlife foundations and community institutions like the Houston Zoo and Houston Museum of Science, and an assortment of medical institutions. The various medical centers at Baylor College of Medicine received more than $250 million from Mr. Duncan and his wife, with more than $100 million used to found the Dan L. Duncan Cancer Center.
Like Bill Gates and Warren Buffet, this billionaire avoids estate tax by contributing money to nonprofit groups and foundations.
Mr. Duncan’s will designates a handful of nonprofit groups and charitable foundations that will receive donations, all of which would have been tax-exempt even in years when the estate tax was in effect.
Ironically, this big-game hunter made his biggest kill by avoiding the federal estate tax.
An avid big game hunter — Mr. Duncan has more than 500 entries in the Safari Club International record book for killing animals including polar bears, rhinoceroses, bighorn sheep, lions and elephants — he made a $1 million donation in his will to the Shikar Safari Club International Foundation.
Read the rest of the story. Many families would be better off under 2009 tax laws .
This billionaire's family would be better off in any case even if the $9 billion was entirely subject to capital gains tax at 15%. Texas has no personal capital gains tax because it has no personal income tax.
This billionaire's timely death may change history in two ways. First, the publicity might push Congress into bringing back the "death tax" in this election year. Second, Congress might not make the resulting estate tax rates and exemptions retro-active to January 1, 2010. This man's family has billions of reasons to fight the constitutionality of any retro-active estate tax in the courts. We'll see what happens.
You can read the article below to learn more.
Legacy for One Billionaire: Death, but No Taxes
By DAVID KOCIENIEWSKI
A Texas pipeline tycoon who died two months ago may become the first American billionaire allowed to pass his fortune to his children and grandchildren tax-free.
Dan L. Duncan, a soft-spoken farm boy who started with $10,000 and two propane trucks, and built a network of natural gas processing plants and pipelines that made him the richest person in Houston, died in late March of a brain hemorrhage at 77.
Had his life ended three months earlier, Mr. Duncan’s riches — Forbes magazine estimated his worth at $9 billion, ranking him as the 74th wealthiest in the world — would have been subject to a federal tax of at least 45 percent. If he had lived past Jan. 1, 2011, the rate would be even higher — 55 percent.
Instead, because Congress allowed the tax to lapse for one year and gave all estates a free pass in 2010, Mr. Duncan’s four children and four grandchildren stand to collect billions that in any other year would have gone to the Treasury.
The United States enacted an estate tax in 1916, and when John D. Rockefeller, America’s first billionaire, died in 1937, his estate paid 70 percent. Since then, the rates have fluctuated, but this is the first time the tax has been repealed altogether.
The bonanza in tax savings for Mr. Duncan’s descendants is sure to be unsettling to those who have paid estate taxes on more modest wealth — until Jan. 1 of this year, it applied to any estate valued at more than $3.5 million, taxing only the money exceeding that threshold, or $7 million for a couple’s estate.
Although the tax affects only about 5,500 estates a year, it is such an incendiary issue that when Congress unexpectedly let it lapse at the end of 2009, financial advisers warned that it might play a macabre factor in the end-of-life decisions being weighed by heirs of elderly Americans. Some estate lawyers worried that tax considerations might prompt their clients to keep an ill relative on life support through the end of 2009 to get the favorable treatment — or worse, resist life-prolonging measures to hasten a relative’s demise before the end of 2010.
The one-year lapse in the estate tax was signed into law by President George W. Bush in 2001, an accounting quirk in his package of tax cuts. Although Democrats pledged to close that gap and reinstate a tax for 2010 when they took control of Congress, they failed to reach an agreement last December. The Senate Finance Committee is now trying to forge a compromise that would reinstate the tax, but even if that effort succeeds, it is unclear whether any changes might be retroactive and applied to those who have died so far in 2010.
Many lawyers say Mr. Duncan’s heirs have the means and motivation to wage a fierce court battle to challenge the constitutionality of any retroactive tax.
Many advisors call the estate tax the "optional tax" because it can be avoided with proper estate planning.
The Treasury collected more than $25 billion in estate taxes in 2008, the most recent year for which data is available.Elaborate estate plans with sophisticated trusts are often made many years before death to reduce estate taxes owed by the richest.
It sounds like this billionaire used a trust to minimize estate taxes. And avoid probate. And keep things private.
Mr. Duncan’s eldest daughter, Randa Duncan Williams, is serving as executor of the estate and is a voting member of the family trust that will now control her father’s interest in Enterprise GP Holdings.
Should the family trust sell these inherited shares, capital gains taxes would presumably be owed on the difference between Mr. Duncan’s original cost, which could be quite low, and their market value when sold. Capital gains taxes are capped at 15 percent.
If the estate tax is the "optional tax" then the capital gains tax is the "pay it when you want to tax." Just sell the asset and pay the tax. At 15% rather than the 45% estate tax.
Ms. Williams, who has served as a director and general partner at the family’s energy businesses for years, was deeply involved in her father’s philanthropic efforts and is expected to continue much of that charitable work.
During his life, Mr. Duncan contributed to a wide assortment of wildlife foundations and community institutions like the Houston Zoo and Houston Museum of Science, and an assortment of medical institutions. The various medical centers at Baylor College of Medicine received more than $250 million from Mr. Duncan and his wife, with more than $100 million used to found the Dan L. Duncan Cancer Center.
Like Bill Gates and Warren Buffet, this billionaire avoids estate tax by contributing money to nonprofit groups and foundations.
Mr. Duncan’s will designates a handful of nonprofit groups and charitable foundations that will receive donations, all of which would have been tax-exempt even in years when the estate tax was in effect.
Ironically, this big-game hunter made his biggest kill by avoiding the federal estate tax.
An avid big game hunter — Mr. Duncan has more than 500 entries in the Safari Club International record book for killing animals including polar bears, rhinoceroses, bighorn sheep, lions and elephants — he made a $1 million donation in his will to the Shikar Safari Club International Foundation.
Read the rest of the story. Many families would be better off under 2009 tax laws .
This billionaire's family would be better off in any case even if the $9 billion was entirely subject to capital gains tax at 15%. Texas has no personal capital gains tax because it has no personal income tax.
This billionaire's timely death may change history in two ways. First, the publicity might push Congress into bringing back the "death tax" in this election year. Second, Congress might not make the resulting estate tax rates and exemptions retro-active to January 1, 2010. This man's family has billions of reasons to fight the constitutionality of any retro-active estate tax in the courts. We'll see what happens.
You can read the article below to learn more.
Legacy for One Billionaire: Death, but No Taxes
By DAVID KOCIENIEWSKI
A Texas pipeline tycoon who died two months ago may become the first American billionaire allowed to pass his fortune to his children and grandchildren tax-free.
Dan L. Duncan, a soft-spoken farm boy who started with $10,000 and two propane trucks, and built a network of natural gas processing plants and pipelines that made him the richest person in Houston, died in late March of a brain hemorrhage at 77.
Had his life ended three months earlier, Mr. Duncan’s riches — Forbes magazine estimated his worth at $9 billion, ranking him as the 74th wealthiest in the world — would have been subject to a federal tax of at least 45 percent. If he had lived past Jan. 1, 2011, the rate would be even higher — 55 percent.
Instead, because Congress allowed the tax to lapse for one year and gave all estates a free pass in 2010, Mr. Duncan’s four children and four grandchildren stand to collect billions that in any other year would have gone to the Treasury.
The United States enacted an estate tax in 1916, and when John D. Rockefeller, America’s first billionaire, died in 1937, his estate paid 70 percent. Since then, the rates have fluctuated, but this is the first time the tax has been repealed altogether.
The bonanza in tax savings for Mr. Duncan’s descendants is sure to be unsettling to those who have paid estate taxes on more modest wealth — until Jan. 1 of this year, it applied to any estate valued at more than $3.5 million, taxing only the money exceeding that threshold, or $7 million for a couple’s estate.
Although the tax affects only about 5,500 estates a year, it is such an incendiary issue that when Congress unexpectedly let it lapse at the end of 2009, financial advisers warned that it might play a macabre factor in the end-of-life decisions being weighed by heirs of elderly Americans. Some estate lawyers worried that tax considerations might prompt their clients to keep an ill relative on life support through the end of 2009 to get the favorable treatment — or worse, resist life-prolonging measures to hasten a relative’s demise before the end of 2010.
The one-year lapse in the estate tax was signed into law by President George W. Bush in 2001, an accounting quirk in his package of tax cuts. Although Democrats pledged to close that gap and reinstate a tax for 2010 when they took control of Congress, they failed to reach an agreement last December. The Senate Finance Committee is now trying to forge a compromise that would reinstate the tax, but even if that effort succeeds, it is unclear whether any changes might be retroactive and applied to those who have died so far in 2010.
Many lawyers say Mr. Duncan’s heirs have the means and motivation to wage a fierce court battle to challenge the constitutionality of any retroactive tax.
Many advisors call the estate tax the "optional tax" because it can be avoided with proper estate planning.
The Treasury collected more than $25 billion in estate taxes in 2008, the most recent year for which data is available.Elaborate estate plans with sophisticated trusts are often made many years before death to reduce estate taxes owed by the richest.
It sounds like this billionaire used a trust to minimize estate taxes. And avoid probate. And keep things private.
Mr. Duncan’s eldest daughter, Randa Duncan Williams, is serving as executor of the estate and is a voting member of the family trust that will now control her father’s interest in Enterprise GP Holdings.
Should the family trust sell these inherited shares, capital gains taxes would presumably be owed on the difference between Mr. Duncan’s original cost, which could be quite low, and their market value when sold. Capital gains taxes are capped at 15 percent.
If the estate tax is the "optional tax" then the capital gains tax is the "pay it when you want to tax." Just sell the asset and pay the tax. At 15% rather than the 45% estate tax.
Ms. Williams, who has served as a director and general partner at the family’s energy businesses for years, was deeply involved in her father’s philanthropic efforts and is expected to continue much of that charitable work.
During his life, Mr. Duncan contributed to a wide assortment of wildlife foundations and community institutions like the Houston Zoo and Houston Museum of Science, and an assortment of medical institutions. The various medical centers at Baylor College of Medicine received more than $250 million from Mr. Duncan and his wife, with more than $100 million used to found the Dan L. Duncan Cancer Center.
Like Bill Gates and Warren Buffet, this billionaire avoids estate tax by contributing money to nonprofit groups and foundations.
Mr. Duncan’s will designates a handful of nonprofit groups and charitable foundations that will receive donations, all of which would have been tax-exempt even in years when the estate tax was in effect.
Ironically, this big-game hunter made his biggest kill by avoiding the federal estate tax.
An avid big game hunter — Mr. Duncan has more than 500 entries in the Safari Club International record book for killing animals including polar bears, rhinoceroses, bighorn sheep, lions and elephants — he made a $1 million donation in his will to the Shikar Safari Club International Foundation.
Read the rest of the story. Many families would be better off under 2009 tax laws .
This billionaire's family would be better off in any case even if the $9 billion was entirely subject to capital gains tax at 15%. Texas has no personal capital gains tax because it has no personal income tax.
This billionaire's timely death may change history in two ways. First, the publicity might push Congress into bringing back the "death tax" in this election year. Second, Congress might not make the resulting estate tax rates and exemptions retro-active to January 1, 2010. This man's family has billions of reasons to fight the constitutionality of any retro-active estate tax in the courts. We'll see what happens.
You can read the article below to learn more.
Legacy for One Billionaire: Death, but No Taxes
By DAVID KOCIENIEWSKI
A Texas pipeline tycoon who died two months ago may become the first American billionaire allowed to pass his fortune to his children and grandchildren tax-free.
Dan L. Duncan, a soft-spoken farm boy who started with $10,000 and two propane trucks, and built a network of natural gas processing plants and pipelines that made him the richest person in Houston, died in late March of a brain hemorrhage at 77.
Had his life ended three months earlier, Mr. Duncan’s riches — Forbes magazine estimated his worth at $9 billion, ranking him as the 74th wealthiest in the world — would have been subject to a federal tax of at least 45 percent. If he had lived past Jan. 1, 2011, the rate would be even higher — 55 percent.
Instead, because Congress allowed the tax to lapse for one year and gave all estates a free pass in 2010, Mr. Duncan’s four children and four grandchildren stand to collect billions that in any other year would have gone to the Treasury.
The United States enacted an estate tax in 1916, and when John D. Rockefeller, America’s first billionaire, died in 1937, his estate paid 70 percent. Since then, the rates have fluctuated, but this is the first time the tax has been repealed altogether.
The bonanza in tax savings for Mr. Duncan’s descendants is sure to be unsettling to those who have paid estate taxes on more modest wealth — until Jan. 1 of this year, it applied to any estate valued at more than $3.5 million, taxing only the money exceeding that threshold, or $7 million for a couple’s estate.
Although the tax affects only about 5,500 estates a year, it is such an incendiary issue that when Congress unexpectedly let it lapse at the end of 2009, financial advisers warned that it might play a macabre factor in the end-of-life decisions being weighed by heirs of elderly Americans. Some estate lawyers worried that tax considerations might prompt their clients to keep an ill relative on life support through the end of 2009 to get the favorable treatment — or worse, resist life-prolonging measures to hasten a relative’s demise before the end of 2010.
The one-year lapse in the estate tax was signed into law by President George W. Bush in 2001, an accounting quirk in his package of tax cuts. Although Democrats pledged to close that gap and reinstate a tax for 2010 when they took control of Congress, they failed to reach an agreement last December. The Senate Finance Committee is now trying to forge a compromise that would reinstate the tax, but even if that effort succeeds, it is unclear whether any changes might be retroactive and applied to those who have died so far in 2010.
Many lawyers say Mr. Duncan’s heirs have the means and motivation to wage a fierce court battle to challenge the constitutionality of any retroactive tax.
Many advisors call the estate tax the "optional tax" because it can be avoided with proper estate planning.
The Treasury collected more than $25 billion in estate taxes in 2008, the most recent year for which data is available.Elaborate estate plans with sophisticated trusts are often made many years before death to reduce estate taxes owed by the richest.
It sounds like this billionaire used a trust to minimize estate taxes. And avoid probate. And keep things private.
Mr. Duncan’s eldest daughter, Randa Duncan Williams, is serving as executor of the estate and is a voting member of the family trust that will now control her father’s interest in Enterprise GP Holdings.
Should the family trust sell these inherited shares, capital gains taxes would presumably be owed on the difference between Mr. Duncan’s original cost, which could be quite low, and their market value when sold. Capital gains taxes are capped at 15 percent.
If the estate tax is the "optional tax" then the capital gains tax is the "pay it when you want to tax." Just sell the asset and pay the tax. At 15% rather than the 45% estate tax.
Ms. Williams, who has served as a director and general partner at the family’s energy businesses for years, was deeply involved in her father’s philanthropic efforts and is expected to continue much of that charitable work.
During his life, Mr. Duncan contributed to a wide assortment of wildlife foundations and community institutions like the Houston Zoo and Houston Museum of Science, and an assortment of medical institutions. The various medical centers at Baylor College of Medicine received more than $250 million from Mr. Duncan and his wife, with more than $100 million used to found the Dan L. Duncan Cancer Center.
Like Bill Gates and Warren Buffet, this billionaire avoids estate tax by contributing money to nonprofit groups and foundations.
Mr. Duncan’s will designates a handful of nonprofit groups and charitable foundations that will receive donations, all of which would have been tax-exempt even in years when the estate tax was in effect.
Ironically, this big-game hunter made his biggest kill by avoiding the federal estate tax.
An avid big game hunter — Mr. Duncan has more than 500 entries in the Safari Club International record book for killing animals including polar bears, rhinoceroses, bighorn sheep, lions and elephants — he made a $1 million donation in his will to the Shikar Safari Club International Foundation.
Read the rest of the story. Many families would be better off under 2009 tax laws .
This billionaire's family would be better off in any case even if the $9 billion was entirely subject to capital gains tax at 15%. Texas has no personal capital gains tax because it has no personal income tax.
This billionaire's timely death may change history in two ways. First, the publicity might push Congress into bringing back the "death tax" in this election year. Second, Congress might not make the resulting estate tax rates and exemptions retro-active to January 1, 2010. This man's family has billions of reasons to fight the constitutionality of any retro-active estate tax in the courts. We'll see what happens.
You can read the article below to learn more.
Legacy for One Billionaire: Death, but No Taxes
By DAVID KOCIENIEWSKI
A Texas pipeline tycoon who died two months ago may become the first American billionaire allowed to pass his fortune to his children and grandchildren tax-free.
Dan L. Duncan, a soft-spoken farm boy who started with $10,000 and two propane trucks, and built a network of natural gas processing plants and pipelines that made him the richest person in Houston, died in late March of a brain hemorrhage at 77.
Had his life ended three months earlier, Mr. Duncan’s riches — Forbes magazine estimated his worth at $9 billion, ranking him as the 74th wealthiest in the world — would have been subject to a federal tax of at least 45 percent. If he had lived past Jan. 1, 2011, the rate would be even higher — 55 percent.
Instead, because Congress allowed the tax to lapse for one year and gave all estates a free pass in 2010, Mr. Duncan’s four children and four grandchildren stand to collect billions that in any other year would have gone to the Treasury.
The United States enacted an estate tax in 1916, and when John D. Rockefeller, America’s first billionaire, died in 1937, his estate paid 70 percent. Since then, the rates have fluctuated, but this is the first time the tax has been repealed altogether.
The bonanza in tax savings for Mr. Duncan’s descendants is sure to be unsettling to those who have paid estate taxes on more modest wealth — until Jan. 1 of this year, it applied to any estate valued at more than $3.5 million, taxing only the money exceeding that threshold, or $7 million for a couple’s estate.
Although the tax affects only about 5,500 estates a year, it is such an incendiary issue that when Congress unexpectedly let it lapse at the end of 2009, financial advisers warned that it might play a macabre factor in the end-of-life decisions being weighed by heirs of elderly Americans. Some estate lawyers worried that tax considerations might prompt their clients to keep an ill relative on life support through the end of 2009 to get the favorable treatment — or worse, resist life-prolonging measures to hasten a relative’s demise before the end of 2010.
The one-year lapse in the estate tax was signed into law by President George W. Bush in 2001, an accounting quirk in his package of tax cuts. Although Democrats pledged to close that gap and reinstate a tax for 2010 when they took control of Congress, they failed to reach an agreement last December. The Senate Finance Committee is now trying to forge a compromise that would reinstate the tax, but even if that effort succeeds, it is unclear whether any changes might be retroactive and applied to those who have died so far in 2010.
Many lawyers say Mr. Duncan’s heirs have the means and motivation to wage a fierce court battle to challenge the constitutionality of any retroactive tax.
Many advisors call the estate tax the "optional tax" because it can be avoided with proper estate planning.
The Treasury collected more than $25 billion in estate taxes in 2008, the most recent year for which data is available.Elaborate estate plans with sophisticated trusts are often made many years before death to reduce estate taxes owed by the richest.
It sounds like this billionaire used a trust to minimize estate taxes. And avoid probate. And keep things private.
Mr. Duncan’s eldest daughter, Randa Duncan Williams, is serving as executor of the estate and is a voting member of the family trust that will now control her father’s interest in Enterprise GP Holdings.
Should the family trust sell these inherited shares, capital gains taxes would presumably be owed on the difference between Mr. Duncan’s original cost, which could be quite low, and their market value when sold. Capital gains taxes are capped at 15 percent.
If the estate tax is the "optional tax" then the capital gains tax is the "pay it when you want to tax." Just sell the asset and pay the tax. At 15% rather than the 45% estate tax.
Ms. Williams, who has served as a director and general partner at the family’s energy businesses for years, was deeply involved in her father’s philanthropic efforts and is expected to continue much of that charitable work.
During his life, Mr. Duncan contributed to a wide assortment of wildlife foundations and community institutions like the Houston Zoo and Houston Museum of Science, and an assortment of medical institutions. The various medical centers at Baylor College of Medicine received more than $250 million from Mr. Duncan and his wife, with more than $100 million used to found the Dan L. Duncan Cancer Center.
Like Bill Gates and Warren Buffet, this billionaire avoids estate tax by contributing money to nonprofit groups and foundations.
Mr. Duncan’s will designates a handful of nonprofit groups and charitable foundations that will receive donations, all of which would have been tax-exempt even in years when the estate tax was in effect.
Ironically, this big-game hunter made his biggest kill by avoiding the federal estate tax.
An avid big game hunter — Mr. Duncan has more than 500 entries in the Safari Club International record book for killing animals including polar bears, rhinoceroses, bighorn sheep, lions and elephants — he made a $1 million donation in his will to the Shikar Safari Club International Foundation.
Read the rest of the story. Many families would be better off under 2009 tax laws .
This billionaire's family would be better off in any case even if the $9 billion was entirely subject to capital gains tax at 15%. Texas has no personal capital gains tax because it has no personal income tax.
This billionaire's timely death may change history in two ways. First, the publicity might push Congress into bringing back the "death tax" in this election year. Second, Congress might not make the resulting estate tax rates and exemptions retro-active to January 1, 2010. This man's family has billions of reasons to fight the constitutionality of any retro-active estate tax in the courts. We'll see what happens.
You can read the article below to learn more.
Legacy for One Billionaire: Death, but No Taxes
By DAVID KOCIENIEWSKI
A Texas pipeline tycoon who died two months ago may become the first American billionaire allowed to pass his fortune to his children and grandchildren tax-free.
Dan L. Duncan, a soft-spoken farm boy who started with $10,000 and two propane trucks, and built a network of natural gas processing plants and pipelines that made him the richest person in Houston, died in late March of a brain hemorrhage at 77.
Had his life ended three months earlier, Mr. Duncan’s riches — Forbes magazine estimated his worth at $9 billion, ranking him as the 74th wealthiest in the world — would have been subject to a federal tax of at least 45 percent. If he had lived past Jan. 1, 2011, the rate would be even higher — 55 percent.
Instead, because Congress allowed the tax to lapse for one year and gave all estates a free pass in 2010, Mr. Duncan’s four children and four grandchildren stand to collect billions that in any other year would have gone to the Treasury.
The United States enacted an estate tax in 1916, and when John D. Rockefeller, America’s first billionaire, died in 1937, his estate paid 70 percent. Since then, the rates have fluctuated, but this is the first time the tax has been repealed altogether.
The bonanza in tax savings for Mr. Duncan’s descendants is sure to be unsettling to those who have paid estate taxes on more modest wealth — until Jan. 1 of this year, it applied to any estate valued at more than $3.5 million, taxing only the money exceeding that threshold, or $7 million for a couple’s estate.
Although the tax affects only about 5,500 estates a year, it is such an incendiary issue that when Congress unexpectedly let it lapse at the end of 2009, financial advisers warned that it might play a macabre factor in the end-of-life decisions being weighed by heirs of elderly Americans. Some estate lawyers worried that tax considerations might prompt their clients to keep an ill relative on life support through the end of 2009 to get the favorable treatment — or worse, resist life-prolonging measures to hasten a relative’s demise before the end of 2010.
The one-year lapse in the estate tax was signed into law by President George W. Bush in 2001, an accounting quirk in his package of tax cuts. Although Democrats pledged to close that gap and reinstate a tax for 2010 when they took control of Congress, they failed to reach an agreement last December. The Senate Finance Committee is now trying to forge a compromise that would reinstate the tax, but even if that effort succeeds, it is unclear whether any changes might be retroactive and applied to those who have died so far in 2010.
Many lawyers say Mr. Duncan’s heirs have the means and motivation to wage a fierce court battle to challenge the constitutionality of any retroactive tax.
Many advisors call the estate tax the "optional tax" because it can be avoided with proper estate planning.
The Treasury collected more than $25 billion in estate taxes in 2008, the most recent year for which data is available.Elaborate estate plans with sophisticated trusts are often made many years before death to reduce estate taxes owed by the richest.
It sounds like this billionaire used a trust to minimize estate taxes. And avoid probate. And keep things private.
Mr. Duncan’s eldest daughter, Randa Duncan Williams, is serving as executor of the estate and is a voting member of the family trust that will now control her father’s interest in Enterprise GP Holdings.
Should the family trust sell these inherited shares, capital gains taxes would presumably be owed on the difference between Mr. Duncan’s original cost, which could be quite low, and their market value when sold. Capital gains taxes are capped at 15 percent.
If the estate tax is the "optional tax" then the capital gains tax is the "pay it when you want to tax." Just sell the asset and pay the tax. At 15% rather than the 45% estate tax.
Ms. Williams, who has served as a director and general partner at the family’s energy businesses for years, was deeply involved in her father’s philanthropic efforts and is expected to continue much of that charitable work.
During his life, Mr. Duncan contributed to a wide assortment of wildlife foundations and community institutions like the Houston Zoo and Houston Museum of Science, and an assortment of medical institutions. The various medical centers at Baylor College of Medicine received more than $250 million from Mr. Duncan and his wife, with more than $100 million used to found the Dan L. Duncan Cancer Center.
Like Bill Gates and Warren Buffet, this billionaire avoids estate tax by contributing money to nonprofit groups and foundations.
Mr. Duncan’s will designates a handful of nonprofit groups and charitable foundations that will receive donations, all of which would have been tax-exempt even in years when the estate tax was in effect.
Ironically, this big-game hunter made his biggest kill by avoiding the federal estate tax.
An avid big game hunter — Mr. Duncan has more than 500 entries in the Safari Club International record book for killing animals including polar bears, rhinoceroses, bighorn sheep, lions and elephants — he made a $1 million donation in his will to the Shikar Safari Club International Foundation.
Read the rest of the story. Many families would be better off under 2009 tax laws .
This billionaire's family would be better off in any case even if the $9 billion was entirely subject to capital gains tax at 15%. Texas has no personal capital gains tax because it has no personal income tax.
This billionaire's timely death may change history in two ways. First, the publicity might push Congress into bringing back the "death tax" in this election year. Second, Congress might not make the resulting estate tax rates and exemptions retro-active to January 1, 2010. This man's family has billions of reasons to fight the constitutionality of any retro-active estate tax in the courts. We'll see what happens.
You can read the article below to learn more.
Legacy for One Billionaire: Death, but No Taxes
By DAVID KOCIENIEWSKI
A Texas pipeline tycoon who died two months ago may become the first American billionaire allowed to pass his fortune to his children and grandchildren tax-free.
Dan L. Duncan, a soft-spoken farm boy who started with $10,000 and two propane trucks, and built a network of natural gas processing plants and pipelines that made him the richest person in Houston, died in late March of a brain hemorrhage at 77.
Had his life ended three months earlier, Mr. Duncan’s riches — Forbes magazine estimated his worth at $9 billion, ranking him as the 74th wealthiest in the world — would have been subject to a federal tax of at least 45 percent. If he had lived past Jan. 1, 2011, the rate would be even higher — 55 percent.
Instead, because Congress allowed the tax to lapse for one year and gave all estates a free pass in 2010, Mr. Duncan’s four children and four grandchildren stand to collect billions that in any other year would have gone to the Treasury.
The United States enacted an estate tax in 1916, and when John D. Rockefeller, America’s first billionaire, died in 1937, his estate paid 70 percent. Since then, the rates have fluctuated, but this is the first time the tax has been repealed altogether.
The bonanza in tax savings for Mr. Duncan’s descendants is sure to be unsettling to those who have paid estate taxes on more modest wealth — until Jan. 1 of this year, it applied to any estate valued at more than $3.5 million, taxing only the money exceeding that threshold, or $7 million for a couple’s estate.
Although the tax affects only about 5,500 estates a year, it is such an incendiary issue that when Congress unexpectedly let it lapse at the end of 2009, financial advisers warned that it might play a macabre factor in the end-of-life decisions being weighed by heirs of elderly Americans. Some estate lawyers worried that tax considerations might prompt their clients to keep an ill relative on life support through the end of 2009 to get the favorable treatment — or worse, resist life-prolonging measures to hasten a relative’s demise before the end of 2010.
The one-year lapse in the estate tax was signed into law by President George W. Bush in 2001, an accounting quirk in his package of tax cuts. Although Democrats pledged to close that gap and reinstate a tax for 2010 when they took control of Congress, they failed to reach an agreement last December. The Senate Finance Committee is now trying to forge a compromise that would reinstate the tax, but even if that effort succeeds, it is unclear whether any changes might be retroactive and applied to those who have died so far in 2010.
Many lawyers say Mr. Duncan’s heirs have the means and motivation to wage a fierce court battle to challenge the constitutionality of any retroactive tax.
Many advisors call the estate tax the "optional tax" because it can be avoided with proper estate planning.
The Treasury collected more than $25 billion in estate taxes in 2008, the most recent year for which data is available.Elaborate estate plans with sophisticated trusts are often made many years before death to reduce estate taxes owed by the richest.
It sounds like this billionaire used a trust to minimize estate taxes. And avoid probate. And keep things private.
Mr. Duncan’s eldest daughter, Randa Duncan Williams, is serving as executor of the estate and is a voting member of the family trust that will now control her father’s interest in Enterprise GP Holdings.
Should the family trust sell these inherited shares, capital gains taxes would presumably be owed on the difference between Mr. Duncan’s original cost, which could be quite low, and their market value when sold. Capital gains taxes are capped at 15 percent.
If the estate tax is the "optional tax" then the capital gains tax is the "pay it when you want to tax." Just sell the asset and pay the tax. At 15% rather than the 45% estate tax.
Ms. Williams, who has served as a director and general partner at the family’s energy businesses for years, was deeply involved in her father’s philanthropic efforts and is expected to continue much of that charitable work.
During his life, Mr. Duncan contributed to a wide assortment of wildlife foundations and community institutions like the Houston Zoo and Houston Museum of Science, and an assortment of medical institutions. The various medical centers at Baylor College of Medicine received more than $250 million from Mr. Duncan and his wife, with more than $100 million used to found the Dan L. Duncan Cancer Center.
Like Bill Gates and Warren Buffet, this billionaire avoids estate tax by contributing money to nonprofit groups and foundations.
Mr. Duncan’s will designates a handful of nonprofit groups and charitable foundations that will receive donations, all of which would have been tax-exempt even in years when the estate tax was in effect.
Ironically, this big-game hunter made his biggest kill by avoiding the federal estate tax.
An avid big game hunter — Mr. Duncan has more than 500 entries in the Safari Club International record book for killing animals including polar bears, rhinoceroses, bighorn sheep, lions and elephants — he made a $1 million donation in his will to the Shikar Safari Club International Foundation.
Read the rest of the story. New York Times article misleading? Yes, 2010 is a great year to die, especially if you have lots of money. This Texas Billionaire was ranked 74 on the Forbes 400 with an estimated estate of $9 billion. Yes, that's a number 9 with 9 zeros after it. So did he really escape paying taxes on his estate?
Texas is one of many states which tie its state estate tax to the federal estate tax. No federal estate tax in 2010 means no Texas state estate tax either. So far, so good. The family escaped the estate tax and saves billions of dollars in estate tax.
Let's not forget that the failure of Congress to extend the 2009 federal estate tax rate and exemption levels dramatically increased capital gains taxes on families inheriting appreciated assets. Many families would be better off under 2009 tax laws .
This billionaire's family would be better off in any case even if the $9 billion was entirely subject to capital gains tax at 15%. Texas has no personal capital gains tax because it has no personal income tax.
This billionaire's timely death may change history in two ways. First, the publicity might push Congress into bringing back the "death tax" in this election year. Second, Congress might not make the resulting estate tax rates and exemptions retro-active to January 1, 2010. This man's family has billions of reasons to fight the constitutionality of any retro-active estate tax in the courts. We'll see what happens.
You can read the article below to learn more.
Legacy for One Billionaire: Death, but No Taxes
By DAVID KOCIENIEWSKI
A Texas pipeline tycoon who died two months ago may become the first American billionaire allowed to pass his fortune to his children and grandchildren tax-free.
Dan L. Duncan, a soft-spoken farm boy who started with $10,000 and two propane trucks, and built a network of natural gas processing plants and pipelines that made him the richest person in Houston, died in late March of a brain hemorrhage at 77.
Had his life ended three months earlier, Mr. Duncan’s riches — Forbes magazine estimated his worth at $9 billion, ranking him as the 74th wealthiest in the world — would have been subject to a federal tax of at least 45 percent. If he had lived past Jan. 1, 2011, the rate would be even higher — 55 percent.
Instead, because Congress allowed the tax to lapse for one year and gave all estates a free pass in 2010, Mr. Duncan’s four children and four grandchildren stand to collect billions that in any other year would have gone to the Treasury.
The United States enacted an estate tax in 1916, and when John D. Rockefeller, America’s first billionaire, died in 1937, his estate paid 70 percent. Since then, the rates have fluctuated, but this is the first time the tax has been repealed altogether.
The bonanza in tax savings for Mr. Duncan’s descendants is sure to be unsettling to those who have paid estate taxes on more modest wealth — until Jan. 1 of this year, it applied to any estate valued at more than $3.5 million, taxing only the money exceeding that threshold, or $7 million for a couple’s estate.
Although the tax affects only about 5,500 estates a year, it is such an incendiary issue that when Congress unexpectedly let it lapse at the end of 2009, financial advisers warned that it might play a macabre factor in the end-of-life decisions being weighed by heirs of elderly Americans. Some estate lawyers worried that tax considerations might prompt their clients to keep an ill relative on life support through the end of 2009 to get the favorable treatment — or worse, resist life-prolonging measures to hasten a relative’s demise before the end of 2010.
The one-year lapse in the estate tax was signed into law by President George W. Bush in 2001, an accounting quirk in his package of tax cuts. Although Democrats pledged to close that gap and reinstate a tax for 2010 when they took control of Congress, they failed to reach an agreement last December. The Senate Finance Committee is now trying to forge a compromise that would reinstate the tax, but even if that effort succeeds, it is unclear whether any changes might be retroactive and applied to those who have died so far in 2010.
Many lawyers say Mr. Duncan’s heirs have the means and motivation to wage a fierce court battle to challenge the constitutionality of any retroactive tax.
Many advisors call the estate tax the "optional tax" because it can be avoided with proper estate planning.
The Treasury collected more than $25 billion in estate taxes in 2008, the most recent year for which data is available.Elaborate estate plans with sophisticated trusts are often made many years before death to reduce estate taxes owed by the richest.
It sounds like this billionaire used a trust to minimize estate taxes. And avoid probate. And keep things private.
Mr. Duncan’s eldest daughter, Randa Duncan Williams, is serving as executor of the estate and is a voting member of the family trust that will now control her father’s interest in Enterprise GP Holdings.
Should the family trust sell these inherited shares, capital gains taxes would presumably be owed on the difference between Mr. Duncan’s original cost, which could be quite low, and their market value when sold. Capital gains taxes are capped at 15 percent.
If the estate tax is the "optional tax" then the capital gains tax is the "pay it when you want to tax." Just sell the asset and pay the tax. At 15% rather than the 45% estate tax.
Ms. Williams, who has served as a director and general partner at the family’s energy businesses for years, was deeply involved in her father’s philanthropic efforts and is expected to continue much of that charitable work.
During his life, Mr. Duncan contributed to a wide assortment of wildlife foundations and community institutions like the Houston Zoo and Houston Museum of Science, and an assortment of medical institutions. The various medical centers at Baylor College of Medicine received more than $250 million from Mr. Duncan and his wife, with more than $100 million used to found the Dan L. Duncan Cancer Center.
Like Bill Gates and Warren Buffet, this billionaire avoids estate tax by contributing money to nonprofit groups and foundations.
Mr. Duncan’s will designates a handful of nonprofit groups and charitable foundations that will receive donations, all of which would have been tax-exempt even in years when the estate tax was in effect.
Ironically, this big-game hunter made his biggest kill by avoiding the federal estate tax.
An avid big game hunter — Mr. Duncan has more than 500 entries in the Safari Club International record book for killing animals including polar bears, rhinoceroses, bighorn sheep, lions and elephants — he made a $1 million donation in his will to the Shikar Safari Club International Foundation.
Read the rest of the story. New York Times article misleading? Yes, 2010 is a great year to die, especially if you have lots of money. This Texas Billionaire was ranked 74 on the Forbes 400 with an estimated estate of $9 billion. Yes, that's a number 9 with 9 zeros after it. So did he really escape paying taxes on his estate?
Texas is one of many states which tie its state estate tax to the federal estate tax. No federal estate tax in 2010 means no Texas state estate tax either. So far, so good. The family escaped the estate tax and saves billions of dollars in estate tax.
Let's not forget that the failure of Congress to extend the 2009 federal estate tax rate and exemption levels dramatically increased capital gains taxes on families inheriting appreciated assets. Many families would be better off under 2009 tax laws .
This billionaire's family would be better off in any case even if the $9 billion was entirely subject to capital gains tax at 15%. Texas has no personal capital gains tax because it has no personal income tax.
This billionaire's timely death may change history in two ways. First, the publicity might push Congress into bringing back the "death tax" in this election year. Second, Congress might not make the resulting estate tax rates and exemptions retro-active to January 1, 2010. This man's family has billions of reasons to fight the constitutionality of any retro-active estate tax in the courts. We'll see what happens.
You can read the article below to learn more.
Legacy for One Billionaire: Death, but No Taxes
By DAVID KOCIENIEWSKI
A Texas pipeline tycoon who died two months ago may become the first American billionaire allowed to pass his fortune to his children and grandchildren tax-free.
Dan L. Duncan, a soft-spoken farm boy who started with $10,000 and two propane trucks, and built a network of natural gas processing plants and pipelines that made him the richest person in Houston, died in late March of a brain hemorrhage at 77.
Had his life ended three months earlier, Mr. Duncan’s riches — Forbes magazine estimated his worth at $9 billion, ranking him as the 74th wealthiest in the world — would have been subject to a federal tax of at least 45 percent. If he had lived past Jan. 1, 2011, the rate would be even higher — 55 percent.
Instead, because Congress allowed the tax to lapse for one year and gave all estates a free pass in 2010, Mr. Duncan’s four children and four grandchildren stand to collect billions that in any other year would have gone to the Treasury.
The United States enacted an estate tax in 1916, and when John D. Rockefeller, America’s first billionaire, died in 1937, his estate paid 70 percent. Since then, the rates have fluctuated, but this is the first time the tax has been repealed altogether.
The bonanza in tax savings for Mr. Duncan’s descendants is sure to be unsettling to those who have paid estate taxes on more modest wealth — until Jan. 1 of this year, it applied to any estate valued at more than $3.5 million, taxing only the money exceeding that threshold, or $7 million for a couple’s estate.
Although the tax affects only about 5,500 estates a year, it is such an incendiary issue that when Congress unexpectedly let it lapse at the end of 2009, financial advisers warned that it might play a macabre factor in the end-of-life decisions being weighed by heirs of elderly Americans. Some estate lawyers worried that tax considerations might prompt their clients to keep an ill relative on life support through the end of 2009 to get the favorable treatment — or worse, resist life-prolonging measures to hasten a relative’s demise before the end of 2010.
The one-year lapse in the estate tax was signed into law by President George W. Bush in 2001, an accounting quirk in his package of tax cuts. Although Democrats pledged to close that gap and reinstate a tax for 2010 when they took control of Congress, they failed to reach an agreement last December. The Senate Finance Committee is now trying to forge a compromise that would reinstate the tax, but even if that effort succeeds, it is unclear whether any changes might be retroactive and applied to those who have died so far in 2010.
Many lawyers say Mr. Duncan’s heirs have the means and motivation to wage a fierce court battle to challenge the constitutionality of any retroactive tax.
Many advisors call the estate tax the "optional tax" because it can be avoided with proper estate planning.
The Treasury collected more than $25 billion in estate taxes in 2008, the most recent year for which data is available.Elaborate estate plans with sophisticated trusts are often made many years before death to reduce estate taxes owed by the richest.
It sounds like this billionaire used a trust to minimize estate taxes. And avoid probate. And keep things private.
Mr. Duncan’s eldest daughter, Randa Duncan Williams, is serving as executor of the estate and is a voting member of the family trust that will now control her father’s interest in Enterprise GP Holdings.
Should the family trust sell these inherited shares, capital gains taxes would presumably be owed on the difference between Mr. Duncan’s original cost, which could be quite low, and their market value when sold. Capital gains taxes are capped at 15 percent.
If the estate tax is the "optional tax" then the capital gains tax is the "pay it when you want to tax." Just sell the asset and pay the tax. At 15% rather than the 45% estate tax.
Ms. Williams, who has served as a director and general partner at the family’s energy businesses for years, was deeply involved in her father’s philanthropic efforts and is expected to continue much of that charitable work.
During his life, Mr. Duncan contributed to a wide assortment of wildlife foundations and community institutions like the Houston Zoo and Houston Museum of Science, and an assortment of medical institutions. The various medical centers at Baylor College of Medicine received more than $250 million from Mr. Duncan and his wife, with more than $100 million used to found the Dan L. Duncan Cancer Center.
Like Bill Gates and Warren Buffet, this billionaire avoids estate tax by contributing money to nonprofit groups and foundations.
Mr. Duncan’s will designates a handful of nonprofit groups and charitable foundations that will receive donations, all of which would have been tax-exempt even in years when the estate tax was in effect.
Ironically, this big-game hunter made his biggest kill by avoiding the federal estate tax.
An avid big game hunter — Mr. Duncan has more than 500 entries in the Safari Club International record book for killing animals including polar bears, rhinoceroses, bighorn sheep, lions and elephants — he made a $1 million donation in his will to the Shikar Safari Club International Foundation.
Read the rest of the story. New York Times article misleading? Yes, 2010 is a great year to die, especially if you have lots of money. This Texas Billionaire was ranked 74 on the Forbes 400 with an estimated estate of $9 billion. Yes, that's a number 9 with 9 zeros after it. So did he really escape paying taxes on his estate?
Texas is one of many states which tie its state estate tax to the federal estate tax. No federal estate tax in 2010 means no Texas state estate tax either. So far, so good. The family escaped the estate tax and saves billions of dollars in estate tax.
Let's not forget that the failure of Congress to extend the 2009 federal estate tax rate and exemption levels dramatically increased capital gains taxes on families inheriting appreciated assets. Many families would be better off under 2009 tax laws .
This billionaire's family would be better off in any case even if the $9 billion was entirely subject to capital gains tax at 15%. Texas has no personal capital gains tax because it has no personal income tax.
This billionaire's timely death may change history in two ways. First, the publicity might push Congress into bringing back the "death tax" in this election year. Second, Congress might not make the resulting estate tax rates and exemptions retro-active to January 1, 2010. This man's family has billions of reasons to fight the constitutionality of any retro-active estate tax in the courts. We'll see what happens.
You can read the article below to learn more.
Legacy for One Billionaire: Death, but No Taxes
By DAVID KOCIENIEWSKI
A Texas pipeline tycoon who died two months ago may become the first American billionaire allowed to pass his fortune to his children and grandchildren tax-free.
Dan L. Duncan, a soft-spoken farm boy who started with $10,000 and two propane trucks, and built a network of natural gas processing plants and pipelines that made him the richest person in Houston, died in late March of a brain hemorrhage at 77.
Had his life ended three months earlier, Mr. Duncan’s riches — Forbes magazine estimated his worth at $9 billion, ranking him as the 74th wealthiest in the world — would have been subject to a federal tax of at least 45 percent. If he had lived past Jan. 1, 2011, the rate would be even higher — 55 percent.
Instead, because Congress allowed the tax to lapse for one year and gave all estates a free pass in 2010, Mr. Duncan’s four children and four grandchildren stand to collect billions that in any other year would have gone to the Treasury.
The United States enacted an estate tax in 1916, and when John D. Rockefeller, America’s first billionaire, died in 1937, his estate paid 70 percent. Since then, the rates have fluctuated, but this is the first time the tax has been repealed altogether.
Perhaps Congress will ask the executors of the 5500 estates which paid estate taxes if they are "unsettled" about the demise of the federal estate tax.
The bonanza in tax savings for Mr. Duncan’s descendants is sure to be unsettling to those who have paid estate taxes on more modest wealth — until Jan. 1 of this year, it applied to any estate valued at more than $3.5 million, taxing only the money exceeding that threshold, or $7 million for a couple’s estate.
Although the tax affects only about 5,500 estates a year, it is such an incendiary issue that when Congress unexpectedly let it lapse at the end of 2009, financial advisers warned that it might play a macabre factor in the end-of-life decisions being weighed by heirs of elderly Americans. Some estate lawyers worried that tax considerations might prompt their clients to keep an ill relative on life support through the end of 2009 to get the favorable treatment — or worse, resist life-prolonging measures to hasten a relative’s demise before the end of 2010.
The one-year lapse in the estate tax was signed into law by President George W. Bush in 2001, an accounting quirk in his package of tax cuts. Although Democrats pledged to close that gap and reinstate a tax for 2010 when they took control of Congress, they failed to reach an agreement last December. The Senate Finance Committee is now trying to forge a compromise that would reinstate the tax, but even if that effort succeeds, it is unclear whether any changes might be retroactive and applied to those who have died so far in 2010.
Many lawyers say Mr. Duncan’s heirs have the means and motivation to wage a fierce court battle to challenge the constitutionality of any retroactive tax.
Many advisors call the estate tax the "optional tax" because it can be avoided with proper estate planning.
The Treasury collected more than $25 billion in estate taxes in 2008, the most recent year for which data is available.Elaborate estate plans with sophisticated trusts are often made many years before death to reduce estate taxes owed by the richest.
It sounds like this billionaire used a trust to minimize estate taxes. And avoid the expense, delays and hassles of probate. Plus keep things private.
Mr. Duncan’s eldest daughter, Randa Duncan Williams, is serving as executor of the estate and is a voting member of the family trust that will now control her father’s interest in Enterprise GP Holdings.
Should the family trust sell these inherited shares, capital gains taxes would presumably be owed on the difference between Mr. Duncan’s original cost, which could be quite low, and their market value when sold. Capital gains taxes are capped at 15 percent.
If the estate tax is the "optional tax" then the capital gains tax is the "pay it when you want to tax." Just sell the asset and pay the tax. At 15% rather than the 45% estate tax.
Ms. Williams, who has served as a director and general partner at the family’s energy businesses for years, was deeply involved in her father’s philanthropic efforts and is expected to continue much of that charitable work.
During his life, Mr. Duncan contributed to a wide assortment of wildlife foundations and community institutions like the Houston Zoo and Houston Museum of Science, and an assortment of medical institutions. The various medical centers at Baylor College of Medicine received more than $250 million from Mr. Duncan and his wife, with more than $100 million used to found the Dan L. Duncan Cancer Center.
Like Bill Gates and Warren Buffet, this billionaire avoids estate tax by contributing money to nonprofit groups and foundations.
Mr. Duncan’s will designates a handful of nonprofit groups and charitable foundations that will receive donations, all of which would have been tax-exempt even in years when the estate tax was in effect.
Ironically, this big-game hunter made his biggest kill by avoiding the federal estate tax.
An avid big game hunter — Mr. Duncan has more than 500 entries in the Safari Club International record book for killing animals including polar bears, rhinoceroses, bighorn sheep, lions and elephants — he made a $1 million donation in his will to the Shikar Safari Club International Foundation.
Read the rest of the story. New York Times article misleading? Yes, 2010 is a great year to die, especially if you have lots of money. This Texas Billionaire was ranked 74 on the Forbes 400 with an estimated estate of $9 billion. Yes, that's a number 9 with 9 zeros after it. So did he really escape paying taxes on his estate?
Texas is one of many states which tie its state estate tax to the federal estate tax. No federal estate tax in 2010 means no Texas state estate tax either. So far, so good. The family escaped the estate tax and saves billions of dollars in estate tax.
Let's not forget that the failure of Congress to extend the 2009 federal estate tax rate and exemption levels dramatically increased capital gains taxes on families inheriting appreciated assets. Many families would be better off under 2009 tax laws .
This billionaire's family would be better off in any case even if the $9 billion was entirely subject to capital gains tax at 15%. Texas has no personal capital gains tax because it has no personal income tax.
This billionaire's timely death may change history in two ways. First, the publicity might push Congress into bringing back the "death tax" in this election year. Second, Congress might not make the resulting estate tax rates and exemptions retro-active to January 1, 2010. This man's family has billions of reasons to fight the constitutionality of any retro-active estate tax in the courts. We'll see what happens.
You can read the article below to learn more.
Legacy for One Billionaire: Death, but No Taxes
By DAVID KOCIENIEWSKI
A Texas pipeline tycoon who died two months ago may become the first American billionaire allowed to pass his fortune to his children and grandchildren tax-free.
Dan L. Duncan, a soft-spoken farm boy who started with $10,000 and two propane trucks, and built a network of natural gas processing plants and pipelines that made him the richest person in Houston, died in late March of a brain hemorrhage at 77.
Had his life ended three months earlier, Mr. Duncan’s riches — Forbes magazine estimated his worth at $9 billion, ranking him as the 74th wealthiest in the world — would have been subject to a federal tax of at least 45 percent. If he had lived past Jan. 1, 2011, the rate would be even higher — 55 percent.
Instead, because Congress allowed the tax to lapse for one year and gave all estates a free pass in 2010, Mr. Duncan’s four children and four grandchildren stand to collect billions that in any other year would have gone to the Treasury.
The United States enacted an estate tax in 1916, and when John D. Rockefeller, America’s first billionaire, died in 1937, his estate paid 70 percent. Since then, the rates have fluctuated, but this is the first time the tax has been repealed altogether.
Perhaps Congress will ask the executors of the 5500 estates which paid estate taxes if they are "unsettled" about the demise of the federal estate tax.
The bonanza in tax savings for Mr. Duncan’s descendants is sure to be unsettling to those who have paid estate taxes on more modest wealth — until Jan. 1 of this year, it applied to any estate valued at more than $3.5 million, taxing only the money exceeding that threshold, or $7 million for a couple’s estate.
Although the tax affects only about 5,500 estates a year, it is such an incendiary issue that when Congress unexpectedly let it lapse at the end of 2009, financial advisers warned that it might play a macabre factor in the end-of-life decisions being weighed by heirs of elderly Americans. Some estate lawyers worried that tax considerations might prompt their clients to keep an ill relative on life support through the end of 2009 to get the favorable treatment — or worse, resist life-prolonging measures to hasten a relative’s demise before the end of 2010.
The one-year lapse in the estate tax was signed into law by President George W. Bush in 2001, an accounting quirk in his package of tax cuts. Although Democrats pledged to close that gap and reinstate a tax for 2010 when they took control of Congress, they failed to reach an agreement last December. The Senate Finance Committee is now trying to forge a compromise that would reinstate the tax, but even if that effort succeeds, it is unclear whether any changes might be retroactive and applied to those who have died so far in 2010.
Many lawyers say Mr. Duncan’s heirs have the means and motivation to wage a fierce court battle to challenge the constitutionality of any retroactive tax.
Many advisors call the estate tax the "optional tax" because it can be avoided with proper estate planning.
The Treasury collected more than $25 billion in estate taxes in 2008, the most recent year for which data is available.Elaborate estate plans with sophisticated trusts are often made many years before death to reduce estate taxes owed by the richest.
It sounds like this billionaire used a trust to minimize estate taxes. And avoid the expense, delays and hassles of probate. Plus keep things private.
Mr. Duncan’s eldest daughter, Randa Duncan Williams, is serving as executor of the estate and is a voting member of the family trust that will now control her father’s interest in Enterprise GP Holdings.
Should the family trust sell these inherited shares, capital gains taxes would presumably be owed on the difference between Mr. Duncan’s original cost, which could be quite low, and their market value when sold. Capital gains taxes are capped at 15 percent.
If the estate tax is the "optional tax" then the capital gains tax is the "pay it when you want to tax." Just sell the asset and pay the tax. At 15% rather than the 45% estate tax.
Ms. Williams, who has served as a director and general partner at the family’s energy businesses for years, was deeply involved in her father’s philanthropic efforts and is expected to continue much of that charitable work.
During his life, Mr. Duncan contributed to a wide assortment of wildlife foundations and community institutions like the Houston Zoo and Houston Museum of Science, and an assortment of medical institutions. The various medical centers at Baylor College of Medicine received more than $250 million from Mr. Duncan and his wife, with more than $100 million used to found the Dan L. Duncan Cancer Center.
Like Bill Gates and Warren Buffet, this billionaire avoids estate tax by contributing money to nonprofit groups and foundations.
Mr. Duncan’s will designates a handful of nonprofit groups and charitable foundations that will receive donations, all of which would have been tax-exempt even in years when the estate tax was in effect.
Ironically, this big-game hunter made his biggest kill by avoiding the federal estate tax.
An avid big game hunter — Mr. Duncan has more than 500 entries in the Safari Club International record book for killing animals including polar bears, rhinoceroses, bighorn sheep, lions and elephants — he made a $1 million donation in his will to the Shikar Safari Club International Foundation.
Read the rest of the story. Allen Media Strategies recommends that you always negotiate with the station account executive. “Electronic media sales reps tend to have quite a bit of flexibility with their per spot rate and placement so don’t accept the first thing that is offered to you.”
The two main categories of radio stations are commercial and noncommercial.
Commercial Radio Stations
Commercial radio stations play all kinds of music which appeals to all ages and social classes. As I mentioned earlier, the demographics of commercial radio vary widely so choose your station wisely.
Radio spots are typically 60 seconds long which is about 250 to 300 words. 60 seconds is plenty of time to create an effective advertisement. Remember to start out strong to keep your listeners attention.
Best to use the radio station staff to record the commercial especially when you’re promoting a seminar or other event. You want to be positioned as a financial expert not a used car salesman. “CFP” does not stand for “Certified Financial Pitchman”!
You can be the star if you use an interview format. You provide valuable information so people see it as a mini-radio show rather than a commercial. They pay attention and don’t change the channel. Here’s a simplified version of a commercial using this format:
The announcer begins with an introduction of you and your firm. “Time for today’s Money Minute with certified financial planning professional Bob Johnson.” This acts as the headline of the ad.
The announcer asks you a quick question, “Today’s question is ‘Does a will help me if my husband gets Alzheimer's?’”
You provide a clear and concise answer: “No. Wills only go into effect upon death not disability. If your husband was mentally disabled, you would need to go to court to set up a guardianship. This is costly, time-consuming, and embarrassing. Many couples avoid this problem with a living trust.”
The announcer closes the ad with a call to action, “For a free report on estate planning essentials, call Bob Johnson of Johnson Wealth Management at 555-666-7777.” The announcer should include your USP if time permits. Remember to have them repeat your contact information at least three times to enhance recall.
Noncommercial Radio Stations
Public radio stations tend to program either a News/Talk format or classical/jazz/world music. These formats appeal to older and more affluent audiences. You won’t advertise, of course, you’ll be a “supporter”of noncommercial radio. In recent years, public radio stations have expanded what supporters can say about their businesses. For example:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. With systematic planning and proven strategies, Bob Johnson helps families prepare for all stages of life from college savings accounts, to funding a busy and vital retirement, to handling long-term care needs. You can reach Bob in his Medford office at 555-666-7777.”
Listen to your local public radio station and get a feel of what they allow. Don’t be afraid to push the envelope. Somebody has in the past and you might as well push it a bit further. Perhaps they’ll allow a community announcement like this:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. On Tuesday, July 5th, Bob Johnson will be holding a community seminar to help individuals and couple learn how to avoid probate and minimize estate taxes. For more details and an invitation, call Bob Johnson in his Medford office at 555-666-7777.”
These underwriter announcements are short and to the point, and are helpful not “salesy”. They work best if recorded by a well-known and well-liked station announcer, but are often read live at public stations.
When should your ads run? Morning and afternoon drive times are the most listened to time on radio, as about 70% of radio listening happens in-car. I helped one advisor who had a 15 minute “Financial Forum” every business day at 8 a.m. This time slot worked great. Another preferred time might be the noon news hour if the station has a large at-work listenership. Not all times are the same in terms of listening levels so try to get the best times possible.
In all cases, ask for a log of when the spots ran along with the spot name if you have several different ads running. You must know which ads are working and which ads need to be dropped. If you run ads on more than one station you may find one station works substantially better than the other. In that case, drop the loser and double-up on the winner.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Allen Media Strategies recommends that you always negotiate with the station account executive. “Electronic media sales reps tend to have quite a bit of flexibility with their per spot rate and placement so don’t accept the first thing that is offered to you.”
The two main categories of radio stations are commercial and noncommercial.
Commercial Radio Stations
Commercial radio stations play all kinds of music which appeals to all ages and social classes. As I mentioned earlier, the demographics of commercial radio vary widely so choose your station wisely.
Radio spots are typically 60 seconds long which is about 250 to 300 words. 60 seconds is plenty of time to create an effective advertisement. Remember to start out strong to keep your listeners attention.
Best to use the radio station staff to record the commercial especially when you’re promoting a seminar or other event. You want to be positioned as a financial expert not a used car salesman. “CFP” does not stand for “Certified Financial Pitchman”!
You can be the star if you use an interview format. You provide valuable information so people see it as a mini-radio show rather than a commercial. They pay attention and don’t change the channel. Here’s a simplified version of a commercial using this format:
The announcer begins with an introduction of you and your firm. “Time for today’s Money Minute with certified financial planning professional Bob Johnson.” This acts as the headline of the ad.
The announcer asks you a quick question, “Today’s question is ‘Does a will help me if my husband gets Alzheimer's?’”
You provide a clear and concise answer: “No. Wills only go into effect upon death not disability. If your husband was mentally disabled, you would need to go to court to set up a guardianship. This is costly, time-consuming, and embarrassing. Many couples avoid this problem with a living trust.”
The announcer closes the ad with a call to action, “For a free report on estate planning essentials, call Bob Johnson of Johnson Wealth Management at 555-666-7777.” The announcer should include your USP if time permits. Remember to have them repeat your contact information at least three times to enhance recall.
Noncommercial Radio Stations
Public radio stations tend to program either a News/Talk format or classical/jazz/world music. These formats appeal to older and more affluent audiences. You won’t advertise, of course, you’ll be a “supporter”of noncommercial radio. In recent years, public radio stations have expanded what supporters can say about their businesses. For example:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. With systematic planning and proven strategies, Bob Johnson helps families prepare for all stages of life from college savings accounts, to funding a busy and vital retirement, to handling long-term care needs. You can reach Bob in his Medford office at 555-666-7777.”
Listen to your local public radio station and get a feel of what they allow. Don’t be afraid to push the envelope. Somebody has in the past and you might as well push it a bit further. Perhaps they’ll allow a community announcement like this:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. On Tuesday, July 5th, Bob Johnson will be holding a community seminar to help individuals and couple learn how to avoid probate and minimize estate taxes. For more details and an invitation, call Bob Johnson in his Medford office at 555-666-7777.”
These underwriter announcements are short and to the point, and are helpful not “salesy”. They work best if recorded by a well-known and well-liked station announcer, but are often read live at public stations.
When should your ads run? Morning and afternoon drive times are the most listened to time on radio, as about 70% of radio listening happens in-car. I helped one advisor who had a 15 minute “Financial Forum” every business day at 8 a.m. This time slot worked great. Another preferred time might be the noon news hour if the station has a large at-work listenership. Not all times are the same in terms of listening levels so try to get the best times possible.
In all cases, ask for a log of when the spots ran along with the spot name if you have several different ads running. You must know which ads are working and which ads need to be dropped. If you run ads on more than one station you may find one station works substantially better than the other. In that case, drop the loser and double-up on the winner.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Use Radio Advertising To Get Known As An Expert
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Use Radio Advertising To Get Known As An Expert
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Radio advertising is a great way to get known in your community as an financial expert and promote your upcoming events. Your ad must lead with a attention grabbing headline to get the listeners’ interest. This keeps them from changing the station or just mentally tuning out.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Radio advertising is a great way to get known in your community as an financial expert and promote your upcoming events. Your ad must lead with a attention grabbing headline to get the listeners’ interest. This keeps them from changing the station or just mentally tuning out.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: how-to-use-radio-advertising
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: how-to-use-radio-advertising
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 12:46:23
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-09 12:46:23
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 19:46:23
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-09 19:46:23
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=856
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=856
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 857
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 857
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 12:30:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-09 12:30:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 19:30:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-09 19:30:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Radio advertising is a great way to get known in your community as an financial expert and promote your upcoming events.
Your ad must lead with a attention grabbing headline to get the listeners’ interest. This keeps them from changing the station or just mentally tuning out.
Beware of letting your ad rep write your ad. Their goal is to sell ads and that’s their main skill. They may or may not be able to write ads which help you. Remember that the ad costs the same regardless of how it performs. You want a “direct response” ad so you know if your ad pays for itself or not. These type of ads include a very simple way for listeners to contact you, like an easy to remember website address or super easy phone number (for example, 334-555-7777). The most effective direct response ads repeat the website address or phone number at least 3 times in the commercial to enhance recall.
The time and cost of producing a radio commercial is far below the cost of producing an equivalent length television commercial. And if an ad doesn’t work you just record another one. Most radio stations include free production as part of your advertising buy, which includes both the copywriting and voiceover assistance.
You must choose your radio station carefully. The listening audience’s demographics must match your target market. Not your taste in music. A great ad on the wrong station won’t build your practice. Look for stations that have a large number of financially qualified listeners; some radio stations can supply you with that specific research data, especially in larger metropolitan areas. You can also reasonably assume that stations that program a format that appeals to an older demographic will in general terms be more likely to utilize a financial planner, as opposed to stations that target listeners in their teens and 20’s. Formats that perform especially well with a more affluent audience of adults over the age of 45 include news, talk, oldies, jazz and classical stations.
Radio consultant and station owner Burke Allen from Allen Media Strategies (www.allenmediastrategies.com) recommends that you always negotiate with the station account executive. “Electronic media sales reps tend to have quite a bit of flexibility with their per spot rate and placement so don’t accept the first thing that is offered to you.”
The two main categories of radio stations are commercial and noncommercial.
Commercial Radio Stations
Commercial radio stations play all kinds of music which appeals to all ages and social classes. As I mentioned earlier, the demographics of commercial radio vary widely so choose your station wisely.
Radio spots are typically 60 seconds long which is about 250 to 300 words. 60 seconds is plenty of time to create an effective advertisement. Remember to start out strong to keep your listeners attention.
Best to use the radio station staff to record the commercial especially when you’re promoting a seminar or other event. You want to be positioned as a financial expert not a used car salesman. “CFP” does not stand for “Certified Financial Pitchman”!
You can be the star if you use an interview format. You provide valuable information so people see it as a mini-radio show rather than a commercial. They pay attention and don’t change the channel. Here’s a simplified version of a commercial using this format:
The announcer begins with an introduction of you and your firm. “Time for today’s Money Minute with certified financial planning professional Bob Johnson.” This acts as the headline of the ad.
The announcer asks you a quick question, “Today’s question is ‘Does a will help me if my husband gets Alzheimer's?’”
You provide a clear and concise answer: “No. Wills only go into effect upon death not disability. If your husband was mentally disabled, you would need to go to court to set up a guardianship. This is costly, time-consuming, and embarrassing. Many couples avoid this problem with a living trust.”
The announcer closes the ad with a call to action, “For a free report on estate planning essentials, call Bob Johnson of Johnson Wealth Management at 555-666-7777.” The announcer should include your USP if time permits. Remember to have them repeat your contact information at least three times to enhance recall.
Noncommercial Radio Stations
Public radio stations tend to program either a News/Talk format or classical/jazz/world music. These formats appeal to older and more affluent audiences. You won’t advertise, of course, you’ll be a “supporter”of noncommercial radio. In recent years, public radio stations have expanded what supporters can say about their businesses. For example:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. With systematic planning and proven strategies, Bob Johnson helps families prepare for all stages of life from college savings accounts, to funding a busy and vital retirement, to handling long-term care needs. You can reach Bob in his Medford office at 555-666-7777.”
Listen to your local public radio station and get a feel of what they allow. Don’t be afraid to push the envelope. Somebody has in the past and you might as well push it a bit further. Perhaps they’ll allow a community announcement like this:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. On Tuesday, July 5th, Bob Johnson will be holding a community seminar to help individuals and couple learn how to avoid probate and minimize estate taxes. For more details and an invitation, call Bob Johnson in his Medford office at 555-666-7777.”
These underwriter announcements are short and to the point, and are helpful not “salesy”. They work best if recorded by a well-known and well-liked station announcer, but are often read live at public stations.
When should your ads run? Morning and afternoon drive times are the most listened to time on radio, as about 70% of radio listening happens in-car. I helped one advisor who had a 15 minute “Financial Forum” every business day at 8 a.m. This time slot worked great. Another preferred time might be the noon news hour if the station has a large at-work listenership. Not all times are the same in terms of listening levels so try to get the best times possible.
In all cases, ask for a log of when the spots ran along with the spot name if you have several different ads running. You must know which ads are working and which ads need to be dropped. If you run ads on more than one station you may find one station works substantially better than the other. In that case, drop the loser and double-up on the winner.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Radio advertising is a great way to get known in your community as an financial expert and promote your upcoming events.
Your ad must lead with a attention grabbing headline to get the listeners’ interest. This keeps them from changing the station or just mentally tuning out.
Beware of letting your ad rep write your ad. Their goal is to sell ads and that’s their main skill. They may or may not be able to write ads which help you. Remember that the ad costs the same regardless of how it performs. You want a “direct response” ad so you know if your ad pays for itself or not. These type of ads include a very simple way for listeners to contact you, like an easy to remember website address or super easy phone number (for example, 334-555-7777). The most effective direct response ads repeat the website address or phone number at least 3 times in the commercial to enhance recall.
The time and cost of producing a radio commercial is far below the cost of producing an equivalent length television commercial. And if an ad doesn’t work you just record another one. Most radio stations include free production as part of your advertising buy, which includes both the copywriting and voiceover assistance.
You must choose your radio station carefully. The listening audience’s demographics must match your target market. Not your taste in music. A great ad on the wrong station won’t build your practice. Look for stations that have a large number of financially qualified listeners; some radio stations can supply you with that specific research data, especially in larger metropolitan areas. You can also reasonably assume that stations that program a format that appeals to an older demographic will in general terms be more likely to utilize a financial planner, as opposed to stations that target listeners in their teens and 20’s. Formats that perform especially well with a more affluent audience of adults over the age of 45 include news, talk, oldies, jazz and classical stations.
Radio consultant and station owner Burke Allen from Allen Media Strategies (www.allenmediastrategies.com) recommends that you always negotiate with the station account executive. “Electronic media sales reps tend to have quite a bit of flexibility with their per spot rate and placement so don’t accept the first thing that is offered to you.”
The two main categories of radio stations are commercial and noncommercial.
Commercial Radio Stations
Commercial radio stations play all kinds of music which appeals to all ages and social classes. As I mentioned earlier, the demographics of commercial radio vary widely so choose your station wisely.
Radio spots are typically 60 seconds long which is about 250 to 300 words. 60 seconds is plenty of time to create an effective advertisement. Remember to start out strong to keep your listeners attention.
Best to use the radio station staff to record the commercial especially when you’re promoting a seminar or other event. You want to be positioned as a financial expert not a used car salesman. “CFP” does not stand for “Certified Financial Pitchman”!
You can be the star if you use an interview format. You provide valuable information so people see it as a mini-radio show rather than a commercial. They pay attention and don’t change the channel. Here’s a simplified version of a commercial using this format:
The announcer begins with an introduction of you and your firm. “Time for today’s Money Minute with certified financial planning professional Bob Johnson.” This acts as the headline of the ad.
The announcer asks you a quick question, “Today’s question is ‘Does a will help me if my husband gets Alzheimer's?’”
You provide a clear and concise answer: “No. Wills only go into effect upon death not disability. If your husband was mentally disabled, you would need to go to court to set up a guardianship. This is costly, time-consuming, and embarrassing. Many couples avoid this problem with a living trust.”
The announcer closes the ad with a call to action, “For a free report on estate planning essentials, call Bob Johnson of Johnson Wealth Management at 555-666-7777.” The announcer should include your USP if time permits. Remember to have them repeat your contact information at least three times to enhance recall.
Noncommercial Radio Stations
Public radio stations tend to program either a News/Talk format or classical/jazz/world music. These formats appeal to older and more affluent audiences. You won’t advertise, of course, you’ll be a “supporter”of noncommercial radio. In recent years, public radio stations have expanded what supporters can say about their businesses. For example:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. With systematic planning and proven strategies, Bob Johnson helps families prepare for all stages of life from college savings accounts, to funding a busy and vital retirement, to handling long-term care needs. You can reach Bob in his Medford office at 555-666-7777.”
Listen to your local public radio station and get a feel of what they allow. Don’t be afraid to push the envelope. Somebody has in the past and you might as well push it a bit further. Perhaps they’ll allow a community announcement like this:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. On Tuesday, July 5th, Bob Johnson will be holding a community seminar to help individuals and couple learn how to avoid probate and minimize estate taxes. For more details and an invitation, call Bob Johnson in his Medford office at 555-666-7777.”
These underwriter announcements are short and to the point, and are helpful not “salesy”. They work best if recorded by a well-known and well-liked station announcer, but are often read live at public stations.
When should your ads run? Morning and afternoon drive times are the most listened to time on radio, as about 70% of radio listening happens in-car. I helped one advisor who had a 15 minute “Financial Forum” every business day at 8 a.m. This time slot worked great. Another preferred time might be the noon news hour if the station has a large at-work listenership. Not all times are the same in terms of listening levels so try to get the best times possible.
In all cases, ask for a log of when the spots ran along with the spot name if you have several different ads running. You must know which ads are working and which ads need to be dropped. If you run ads on more than one station you may find one station works substantially better than the other. In that case, drop the loser and double-up on the winner.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Use Radio Advertising To Get Known As An Expert
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Use Radio Advertising To Get Known As An Expert
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 856-revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 856-revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 12:30:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-09 12:30:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 19:30:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-09 19:30:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 856
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 856
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/856-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/856-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 858
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 858
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 12:33:02
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-09 12:33:02
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 19:33:02
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-09 19:33:02
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Radio advertising is a great way to get known in your community as an financial expert and promote your upcoming events.
Your ad must lead with a attention grabbing headline to get the listeners’ interest. This keeps them from changing the station or just mentally tuning out.
Beware of letting your ad rep write your ad. Their goal is to sell ads and that’s their main skill. They may or may not be able to write ads which help you. Remember that the ad costs the same regardless of how it performs. You want a “direct response” ad so you know if your ad pays for itself or not. These type of ads include a very simple way for listeners to contact you, like an easy to remember website address or super easy phone number (for example, 334-555-7777). The most effective direct response ads repeat the website address or phone number at least 3 times in the commercial to enhance recall.
The time and cost of producing a radio commercial is far below the cost of producing an equivalent length television commercial. And if an ad doesn’t work you just record another one. Most radio stations include free production as part of your advertising buy, which includes both the copywriting and voiceover assistance.
You must choose your radio station carefully. The listening audience’s demographics must match your target market. Not your taste in music. A great ad on the wrong station won’t build your practice. Look for stations that have a large number of financially qualified listeners; some radio stations can supply you with that specific research data, especially in larger metropolitan areas. You can also reasonably assume that stations that program a format that appeals to an older demographic will in general terms be more likely to utilize a financial planner, as opposed to stations that target listeners in their teens and 20’s. Formats that perform especially well with a more affluent audience of adults over the age of 45 include news, talk, oldies, jazz and classical stations.
Radio consultant and station owner Burke Allen from Allen Media Strategies (www.allenmediastrategies.com) recommends that you always negotiate with the station account executive. “Electronic media sales reps tend to have quite a bit of flexibility with their per spot rate and placement so don’t accept the first thing that is offered to you.”
The two main categories of radio stations are commercial and noncommercial.
Commercial Radio Stations
Commercial radio stations play all kinds of music which appeals to all ages and social classes. As I mentioned earlier, the demographics of commercial radio vary widely so choose your station wisely.
Radio spots are typically 60 seconds long which is about 250 to 300 words. 60 seconds is plenty of time to create an effective advertisement. Remember to start out strong to keep your listeners attention.
Best to use the radio station staff to record the commercial especially when you’re promoting a seminar or other event. You want to be positioned as a financial expert not a used car salesman. “CFP” does not stand for “Certified Financial Pitchman”!
You can be the star if you use an interview format. You provide valuable information so people see it as a mini-radio show rather than a commercial. They pay attention and don’t change the channel. Here’s a simplified version of a commercial using this format:
The announcer begins with an introduction of you and your firm. “Time for today’s Money Minute with certified financial planning professional Bob Johnson.” This acts as the headline of the ad.
The announcer asks you a quick question, “Today’s question is ‘Does a will help me if my husband gets Alzheimer's?’”
You provide a clear and concise answer: “No. Wills only go into effect upon death not disability. If your husband was mentally disabled, you would need to go to court to set up a guardianship. This is costly, time-consuming, and embarrassing. Many couples avoid this problem with a living trust.”
The announcer closes the ad with a call to action, “For a free report on estate planning essentials, call Bob Johnson of Johnson Wealth Management at 555-666-7777.” The announcer should include your USP if time permits. Remember to have them repeat your contact information at least three times to enhance recall.
Noncommercial Radio Stations
Public radio stations tend to program either a News/Talk format or classical/jazz/world music. These formats appeal to older and more affluent audiences. You won’t advertise, of course, you’ll be a “supporter”of noncommercial radio. In recent years, public radio stations have expanded what supporters can say about their businesses. For example:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. With systematic planning and proven strategies, Bob Johnson helps families prepare for all stages of life from college savings accounts, to funding a busy and vital retirement, to handling long-term care needs. You can reach Bob in his Medford office at 555-666-7777.”
Listen to your local public radio station and get a feel of what they allow. Don’t be afraid to push the envelope. Somebody has in the past and you might as well push it a bit further. Perhaps they’ll allow a community announcement like this:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. On Tuesday, July 5th, Bob Johnson will be holding a community seminar to help individuals and couple learn how to avoid probate and minimize estate taxes. For more details and an invitation, call Bob Johnson in his Medford office at 555-666-7777.”
These underwriter announcements are short and to the point, and are helpful not “salesy”. They work best if recorded by a well-known and well-liked station announcer, but are often read live at public stations.
When should your ads run? Morning and afternoon drive times are the most listened to time on radio, as about 70% of radio listening happens in-car. I helped one advisor who had a 15 minute “Financial Forum” every business day at 8 a.m. This time slot worked great. Another preferred time might be the noon news hour if the station has a large at-work listenership. Not all times are the same in terms of listening levels so try to get the best times possible.
In all cases, ask for a log of when the spots ran along with the spot name if you have several different ads running. You must know which ads are working and which ads need to be dropped. If you run ads on more than one station you may find one station works substantially better than the other. In that case, drop the loser and double-up on the winner.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Radio advertising is a great way to get known in your community as an financial expert and promote your upcoming events.
Your ad must lead with a attention grabbing headline to get the listeners’ interest. This keeps them from changing the station or just mentally tuning out.
Beware of letting your ad rep write your ad. Their goal is to sell ads and that’s their main skill. They may or may not be able to write ads which help you. Remember that the ad costs the same regardless of how it performs. You want a “direct response” ad so you know if your ad pays for itself or not. These type of ads include a very simple way for listeners to contact you, like an easy to remember website address or super easy phone number (for example, 334-555-7777). The most effective direct response ads repeat the website address or phone number at least 3 times in the commercial to enhance recall.
The time and cost of producing a radio commercial is far below the cost of producing an equivalent length television commercial. And if an ad doesn’t work you just record another one. Most radio stations include free production as part of your advertising buy, which includes both the copywriting and voiceover assistance.
You must choose your radio station carefully. The listening audience’s demographics must match your target market. Not your taste in music. A great ad on the wrong station won’t build your practice. Look for stations that have a large number of financially qualified listeners; some radio stations can supply you with that specific research data, especially in larger metropolitan areas. You can also reasonably assume that stations that program a format that appeals to an older demographic will in general terms be more likely to utilize a financial planner, as opposed to stations that target listeners in their teens and 20’s. Formats that perform especially well with a more affluent audience of adults over the age of 45 include news, talk, oldies, jazz and classical stations.
Radio consultant and station owner Burke Allen from Allen Media Strategies (www.allenmediastrategies.com) recommends that you always negotiate with the station account executive. “Electronic media sales reps tend to have quite a bit of flexibility with their per spot rate and placement so don’t accept the first thing that is offered to you.”
The two main categories of radio stations are commercial and noncommercial.
Commercial Radio Stations
Commercial radio stations play all kinds of music which appeals to all ages and social classes. As I mentioned earlier, the demographics of commercial radio vary widely so choose your station wisely.
Radio spots are typically 60 seconds long which is about 250 to 300 words. 60 seconds is plenty of time to create an effective advertisement. Remember to start out strong to keep your listeners attention.
Best to use the radio station staff to record the commercial especially when you’re promoting a seminar or other event. You want to be positioned as a financial expert not a used car salesman. “CFP” does not stand for “Certified Financial Pitchman”!
You can be the star if you use an interview format. You provide valuable information so people see it as a mini-radio show rather than a commercial. They pay attention and don’t change the channel. Here’s a simplified version of a commercial using this format:
The announcer begins with an introduction of you and your firm. “Time for today’s Money Minute with certified financial planning professional Bob Johnson.” This acts as the headline of the ad.
The announcer asks you a quick question, “Today’s question is ‘Does a will help me if my husband gets Alzheimer's?’”
You provide a clear and concise answer: “No. Wills only go into effect upon death not disability. If your husband was mentally disabled, you would need to go to court to set up a guardianship. This is costly, time-consuming, and embarrassing. Many couples avoid this problem with a living trust.”
The announcer closes the ad with a call to action, “For a free report on estate planning essentials, call Bob Johnson of Johnson Wealth Management at 555-666-7777.” The announcer should include your USP if time permits. Remember to have them repeat your contact information at least three times to enhance recall.
Noncommercial Radio Stations
Public radio stations tend to program either a News/Talk format or classical/jazz/world music. These formats appeal to older and more affluent audiences. You won’t advertise, of course, you’ll be a “supporter”of noncommercial radio. In recent years, public radio stations have expanded what supporters can say about their businesses. For example:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. With systematic planning and proven strategies, Bob Johnson helps families prepare for all stages of life from college savings accounts, to funding a busy and vital retirement, to handling long-term care needs. You can reach Bob in his Medford office at 555-666-7777.”
Listen to your local public radio station and get a feel of what they allow. Don’t be afraid to push the envelope. Somebody has in the past and you might as well push it a bit further. Perhaps they’ll allow a community announcement like this:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. On Tuesday, July 5th, Bob Johnson will be holding a community seminar to help individuals and couple learn how to avoid probate and minimize estate taxes. For more details and an invitation, call Bob Johnson in his Medford office at 555-666-7777.”
These underwriter announcements are short and to the point, and are helpful not “salesy”. They work best if recorded by a well-known and well-liked station announcer, but are often read live at public stations.
When should your ads run? Morning and afternoon drive times are the most listened to time on radio, as about 70% of radio listening happens in-car. I helped one advisor who had a 15 minute “Financial Forum” every business day at 8 a.m. This time slot worked great. Another preferred time might be the noon news hour if the station has a large at-work listenership. Not all times are the same in terms of listening levels so try to get the best times possible.
In all cases, ask for a log of when the spots ran along with the spot name if you have several different ads running. You must know which ads are working and which ads need to be dropped. If you run ads on more than one station you may find one station works substantially better than the other. In that case, drop the loser and double-up on the winner.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Use Radio Advertising To Get Known As An Expert
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Use Radio Advertising To Get Known As An Expert
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Radio advertising is a great way to get known in your community as an financial expert and promote your upcoming events. Your ad must lead with a attention grabbing headline to get the listeners’ interest. This keeps them from changing the station or just mentally tuning out.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Radio advertising is a great way to get known in your community as an financial expert and promote your upcoming events. Your ad must lead with a attention grabbing headline to get the listeners’ interest. This keeps them from changing the station or just mentally tuning out.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 856-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 856-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 12:33:02
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-09 12:33:02
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 19:33:02
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-09 19:33:02
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 856
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 856
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/856-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/856-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 859
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 859
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 12:42:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-09 12:42:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 19:42:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-09 19:42:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Allen Media Strategies recommends that you always negotiate with the station account executive. “Electronic media sales reps tend to have quite a bit of flexibility with their per spot rate and placement so don’t accept the first thing that is offered to you.”
The two main categories of radio stations are commercial and noncommercial.
Commercial Radio Stations
Commercial radio stations play all kinds of music which appeals to all ages and social classes. As I mentioned earlier, the demographics of commercial radio vary widely so choose your station wisely.
Radio spots are typically 60 seconds long which is about 250 to 300 words. 60 seconds is plenty of time to create an effective advertisement. Remember to start out strong to keep your listeners attention.
Best to use the radio station staff to record the commercial especially when you’re promoting a seminar or other event. You want to be positioned as a financial expert not a used car salesman. “CFP” does not stand for “Certified Financial Pitchman”!
You can be the star if you use an interview format. You provide valuable information so people see it as a mini-radio show rather than a commercial. They pay attention and don’t change the channel. Here’s a simplified version of a commercial using this format:
The announcer begins with an introduction of you and your firm. “Time for today’s Money Minute with certified financial planning professional Bob Johnson.” This acts as the headline of the ad.
The announcer asks you a quick question, “Today’s question is ‘Does a will help me if my husband gets Alzheimer's?’”
You provide a clear and concise answer: “No. Wills only go into effect upon death not disability. If your husband was mentally disabled, you would need to go to court to set up a guardianship. This is costly, time-consuming, and embarrassing. Many couples avoid this problem with a living trust.”
The announcer closes the ad with a call to action, “For a free report on estate planning essentials, call Bob Johnson of Johnson Wealth Management at 555-666-7777.” The announcer should include your USP if time permits. Remember to have them repeat your contact information at least three times to enhance recall.
Noncommercial Radio Stations
Public radio stations tend to program either a News/Talk format or classical/jazz/world music. These formats appeal to older and more affluent audiences. You won’t advertise, of course, you’ll be a “supporter”of noncommercial radio. In recent years, public radio stations have expanded what supporters can say about their businesses. For example:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. With systematic planning and proven strategies, Bob Johnson helps families prepare for all stages of life from college savings accounts, to funding a busy and vital retirement, to handling long-term care needs. You can reach Bob in his Medford office at 555-666-7777.”
Listen to your local public radio station and get a feel of what they allow. Don’t be afraid to push the envelope. Somebody has in the past and you might as well push it a bit further. Perhaps they’ll allow a community announcement like this:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. On Tuesday, July 5th, Bob Johnson will be holding a community seminar to help individuals and couple learn how to avoid probate and minimize estate taxes. For more details and an invitation, call Bob Johnson in his Medford office at 555-666-7777.”
These underwriter announcements are short and to the point, and are helpful not “salesy”. They work best if recorded by a well-known and well-liked station announcer, but are often read live at public stations.
When should your ads run? Morning and afternoon drive times are the most listened to time on radio, as about 70% of radio listening happens in-car. I helped one advisor who had a 15 minute “Financial Forum” every business day at 8 a.m. This time slot worked great. Another preferred time might be the noon news hour if the station has a large at-work listenership. Not all times are the same in terms of listening levels so try to get the best times possible.
In all cases, ask for a log of when the spots ran along with the spot name if you have several different ads running. You must know which ads are working and which ads need to be dropped. If you run ads on more than one station you may find one station works substantially better than the other. In that case, drop the loser and double-up on the winner.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Allen Media Strategies recommends that you always negotiate with the station account executive. “Electronic media sales reps tend to have quite a bit of flexibility with their per spot rate and placement so don’t accept the first thing that is offered to you.”
The two main categories of radio stations are commercial and noncommercial.
Commercial Radio Stations
Commercial radio stations play all kinds of music which appeals to all ages and social classes. As I mentioned earlier, the demographics of commercial radio vary widely so choose your station wisely.
Radio spots are typically 60 seconds long which is about 250 to 300 words. 60 seconds is plenty of time to create an effective advertisement. Remember to start out strong to keep your listeners attention.
Best to use the radio station staff to record the commercial especially when you’re promoting a seminar or other event. You want to be positioned as a financial expert not a used car salesman. “CFP” does not stand for “Certified Financial Pitchman”!
You can be the star if you use an interview format. You provide valuable information so people see it as a mini-radio show rather than a commercial. They pay attention and don’t change the channel. Here’s a simplified version of a commercial using this format:
The announcer begins with an introduction of you and your firm. “Time for today’s Money Minute with certified financial planning professional Bob Johnson.” This acts as the headline of the ad.
The announcer asks you a quick question, “Today’s question is ‘Does a will help me if my husband gets Alzheimer's?’”
You provide a clear and concise answer: “No. Wills only go into effect upon death not disability. If your husband was mentally disabled, you would need to go to court to set up a guardianship. This is costly, time-consuming, and embarrassing. Many couples avoid this problem with a living trust.”
The announcer closes the ad with a call to action, “For a free report on estate planning essentials, call Bob Johnson of Johnson Wealth Management at 555-666-7777.” The announcer should include your USP if time permits. Remember to have them repeat your contact information at least three times to enhance recall.
Noncommercial Radio Stations
Public radio stations tend to program either a News/Talk format or classical/jazz/world music. These formats appeal to older and more affluent audiences. You won’t advertise, of course, you’ll be a “supporter”of noncommercial radio. In recent years, public radio stations have expanded what supporters can say about their businesses. For example:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. With systematic planning and proven strategies, Bob Johnson helps families prepare for all stages of life from college savings accounts, to funding a busy and vital retirement, to handling long-term care needs. You can reach Bob in his Medford office at 555-666-7777.”
Listen to your local public radio station and get a feel of what they allow. Don’t be afraid to push the envelope. Somebody has in the past and you might as well push it a bit further. Perhaps they’ll allow a community announcement like this:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. On Tuesday, July 5th, Bob Johnson will be holding a community seminar to help individuals and couple learn how to avoid probate and minimize estate taxes. For more details and an invitation, call Bob Johnson in his Medford office at 555-666-7777.”
These underwriter announcements are short and to the point, and are helpful not “salesy”. They work best if recorded by a well-known and well-liked station announcer, but are often read live at public stations.
When should your ads run? Morning and afternoon drive times are the most listened to time on radio, as about 70% of radio listening happens in-car. I helped one advisor who had a 15 minute “Financial Forum” every business day at 8 a.m. This time slot worked great. Another preferred time might be the noon news hour if the station has a large at-work listenership. Not all times are the same in terms of listening levels so try to get the best times possible.
In all cases, ask for a log of when the spots ran along with the spot name if you have several different ads running. You must know which ads are working and which ads need to be dropped. If you run ads on more than one station you may find one station works substantially better than the other. In that case, drop the loser and double-up on the winner.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Use Radio Advertising To Get Known As An Expert
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Use Radio Advertising To Get Known As An Expert
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Radio advertising is a great way to get known in your community as an financial expert and promote your upcoming events. Your ad must lead with a attention grabbing headline to get the listeners’ interest. This keeps them from changing the station or just mentally tuning out.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Radio advertising is a great way to get known in your community as an financial expert and promote your upcoming events. Your ad must lead with a attention grabbing headline to get the listeners’ interest. This keeps them from changing the station or just mentally tuning out.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 856-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 856-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 12:42:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-09 12:42:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 19:42:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-09 19:42:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 856
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 856
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/856-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/856-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 860
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 860
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 12:43:02
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-09 12:43:02
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 19:43:02
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-09 19:43:02
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Allen Media Strategies recommends that you always negotiate with the station account executive. “Electronic media sales reps tend to have quite a bit of flexibility with their per spot rate and placement so don’t accept the first thing that is offered to you.”
The two main categories of radio stations are commercial and noncommercial.
Commercial Radio Stations
Commercial radio stations play all kinds of music which appeals to all ages and social classes. As I mentioned earlier, the demographics of commercial radio vary widely so choose your station wisely.
Radio spots are typically 60 seconds long which is about 250 to 300 words. 60 seconds is plenty of time to create an effective advertisement. Remember to start out strong to keep your listeners attention.
Best to use the radio station staff to record the commercial especially when you’re promoting a seminar or other event. You want to be positioned as a financial expert not a used car salesman. “CFP” does not stand for “Certified Financial Pitchman”!
You can be the star if you use an interview format. You provide valuable information so people see it as a mini-radio show rather than a commercial. They pay attention and don’t change the channel. Here’s a simplified version of a commercial using this format:
The announcer begins with an introduction of you and your firm. “Time for today’s Money Minute with certified financial planning professional Bob Johnson.” This acts as the headline of the ad.
The announcer asks you a quick question, “Today’s question is ‘Does a will help me if my husband gets Alzheimer's?’”
You provide a clear and concise answer: “No. Wills only go into effect upon death not disability. If your husband was mentally disabled, you would need to go to court to set up a guardianship. This is costly, time-consuming, and embarrassing. Many couples avoid this problem with a living trust.”
The announcer closes the ad with a call to action, “For a free report on estate planning essentials, call Bob Johnson of Johnson Wealth Management at 555-666-7777.” The announcer should include your USP if time permits. Remember to have them repeat your contact information at least three times to enhance recall.
Noncommercial Radio Stations
Public radio stations tend to program either a News/Talk format or classical/jazz/world music. These formats appeal to older and more affluent audiences. You won’t advertise, of course, you’ll be a “supporter”of noncommercial radio. In recent years, public radio stations have expanded what supporters can say about their businesses. For example:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. With systematic planning and proven strategies, Bob Johnson helps families prepare for all stages of life from college savings accounts, to funding a busy and vital retirement, to handling long-term care needs. You can reach Bob in his Medford office at 555-666-7777.”
Listen to your local public radio station and get a feel of what they allow. Don’t be afraid to push the envelope. Somebody has in the past and you might as well push it a bit further. Perhaps they’ll allow a community announcement like this:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. On Tuesday, July 5th, Bob Johnson will be holding a community seminar to help individuals and couple learn how to avoid probate and minimize estate taxes. For more details and an invitation, call Bob Johnson in his Medford office at 555-666-7777.”
These underwriter announcements are short and to the point, and are helpful not “salesy”. They work best if recorded by a well-known and well-liked station announcer, but are often read live at public stations.
When should your ads run? Morning and afternoon drive times are the most listened to time on radio, as about 70% of radio listening happens in-car. I helped one advisor who had a 15 minute “Financial Forum” every business day at 8 a.m. This time slot worked great. Another preferred time might be the noon news hour if the station has a large at-work listenership. Not all times are the same in terms of listening levels so try to get the best times possible.
In all cases, ask for a log of when the spots ran along with the spot name if you have several different ads running. You must know which ads are working and which ads need to be dropped. If you run ads on more than one station you may find one station works substantially better than the other. In that case, drop the loser and double-up on the winner.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Allen Media Strategies recommends that you always negotiate with the station account executive. “Electronic media sales reps tend to have quite a bit of flexibility with their per spot rate and placement so don’t accept the first thing that is offered to you.”
The two main categories of radio stations are commercial and noncommercial.
Commercial Radio Stations
Commercial radio stations play all kinds of music which appeals to all ages and social classes. As I mentioned earlier, the demographics of commercial radio vary widely so choose your station wisely.
Radio spots are typically 60 seconds long which is about 250 to 300 words. 60 seconds is plenty of time to create an effective advertisement. Remember to start out strong to keep your listeners attention.
Best to use the radio station staff to record the commercial especially when you’re promoting a seminar or other event. You want to be positioned as a financial expert not a used car salesman. “CFP” does not stand for “Certified Financial Pitchman”!
You can be the star if you use an interview format. You provide valuable information so people see it as a mini-radio show rather than a commercial. They pay attention and don’t change the channel. Here’s a simplified version of a commercial using this format:
The announcer begins with an introduction of you and your firm. “Time for today’s Money Minute with certified financial planning professional Bob Johnson.” This acts as the headline of the ad.
The announcer asks you a quick question, “Today’s question is ‘Does a will help me if my husband gets Alzheimer's?’”
You provide a clear and concise answer: “No. Wills only go into effect upon death not disability. If your husband was mentally disabled, you would need to go to court to set up a guardianship. This is costly, time-consuming, and embarrassing. Many couples avoid this problem with a living trust.”
The announcer closes the ad with a call to action, “For a free report on estate planning essentials, call Bob Johnson of Johnson Wealth Management at 555-666-7777.” The announcer should include your USP if time permits. Remember to have them repeat your contact information at least three times to enhance recall.
Noncommercial Radio Stations
Public radio stations tend to program either a News/Talk format or classical/jazz/world music. These formats appeal to older and more affluent audiences. You won’t advertise, of course, you’ll be a “supporter”of noncommercial radio. In recent years, public radio stations have expanded what supporters can say about their businesses. For example:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. With systematic planning and proven strategies, Bob Johnson helps families prepare for all stages of life from college savings accounts, to funding a busy and vital retirement, to handling long-term care needs. You can reach Bob in his Medford office at 555-666-7777.”
Listen to your local public radio station and get a feel of what they allow. Don’t be afraid to push the envelope. Somebody has in the past and you might as well push it a bit further. Perhaps they’ll allow a community announcement like this:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. On Tuesday, July 5th, Bob Johnson will be holding a community seminar to help individuals and couple learn how to avoid probate and minimize estate taxes. For more details and an invitation, call Bob Johnson in his Medford office at 555-666-7777.”
These underwriter announcements are short and to the point, and are helpful not “salesy”. They work best if recorded by a well-known and well-liked station announcer, but are often read live at public stations.
When should your ads run? Morning and afternoon drive times are the most listened to time on radio, as about 70% of radio listening happens in-car. I helped one advisor who had a 15 minute “Financial Forum” every business day at 8 a.m. This time slot worked great. Another preferred time might be the noon news hour if the station has a large at-work listenership. Not all times are the same in terms of listening levels so try to get the best times possible.
In all cases, ask for a log of when the spots ran along with the spot name if you have several different ads running. You must know which ads are working and which ads need to be dropped. If you run ads on more than one station you may find one station works substantially better than the other. In that case, drop the loser and double-up on the winner.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Use Radio Advertising To Get Known As An Expert
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Use Radio Advertising To Get Known As An Expert
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Radio advertising is a great way to get known in your community as an financial expert and promote your upcoming events. Your ad must lead with a attention grabbing headline to get the listeners’ interest. This keeps them from changing the station or just mentally tuning out.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Radio advertising is a great way to get known in your community as an financial expert and promote your upcoming events. Your ad must lead with a attention grabbing headline to get the listeners’ interest. This keeps them from changing the station or just mentally tuning out.
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/856-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/856-revision-4/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Allen Media Strategies recommends that you always negotiate with the station account executive. “Electronic media sales reps tend to have quite a bit of flexibility with their per spot rate and placement so don’t accept the first thing that is offered to you.”
The two main categories of radio stations are commercial and noncommercial.
Commercial Radio Stations
Commercial radio stations play all kinds of music which appeals to all ages and social classes. As I mentioned earlier, the demographics of commercial radio vary widely so choose your station wisely.
Radio spots are typically 60 seconds long which is about 250 to 300 words. 60 seconds is plenty of time to create an effective advertisement. Remember to start out strong to keep your listeners attention.
Best to use the radio station staff to record the commercial especially when you’re promoting a seminar or other event. You want to be positioned as a financial expert not a used car salesman. “CFP” does not stand for “Certified Financial Pitchman”!
You can be the star if you use an interview format. You provide valuable information so people see it as a mini-radio show rather than a commercial. They pay attention and don’t change the channel. Here’s a simplified version of a commercial using this format:
The announcer begins with an introduction of you and your firm. “Time for today’s Money Minute with certified financial planning professional Bob Johnson.” This acts as the headline of the ad.
The announcer asks you a quick question, “Today’s question is ‘Does a will help me if my husband gets Alzheimer's?’”
You provide a clear and concise answer: “No. Wills only go into effect upon death not disability. If your husband was mentally disabled, you would need to go to court to set up a guardianship. This is costly, time-consuming, and embarrassing. Many couples avoid this problem with a living trust.”
The announcer closes the ad with a call to action, “For a free report on estate planning essentials, call Bob Johnson of Johnson Wealth Management at 555-666-7777.” The announcer should include your USP if time permits. Remember to have them repeat your contact information at least three times to enhance recall.
Noncommercial Radio Stations
Public radio stations tend to program either a News/Talk format or classical/jazz/world music. These formats appeal to older and more affluent audiences. You won’t advertise, of course, you’ll be a “supporter”of noncommercial radio. In recent years, public radio stations have expanded what supporters can say about their businesses. For example:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. With systematic planning and proven strategies, Bob Johnson helps families prepare for all stages of life from college savings accounts, to funding a busy and vital retirement, to handling long-term care needs. You can reach Bob in his Medford office at 555-666-7777.”
Listen to your local public radio station and get a feel of what they allow. Don’t be afraid to push the envelope. Somebody has in the past and you might as well push it a bit further. Perhaps they’ll allow a community announcement like this:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. On Tuesday, July 5th, Bob Johnson will be holding a community seminar to help individuals and couple learn how to avoid probate and minimize estate taxes. For more details and an invitation, call Bob Johnson in his Medford office at 555-666-7777.”
These underwriter announcements are short and to the point, and are helpful not “salesy”. They work best if recorded by a well-known and well-liked station announcer, but are often read live at public stations.
When should your ads run? Morning and afternoon drive times are the most listened to time on radio, as about 70% of radio listening happens in-car. I helped one advisor who had a 15 minute “Financial Forum” every business day at 8 a.m. This time slot worked great. Another preferred time might be the noon news hour if the station has a large at-work listenership. Not all times are the same in terms of listening levels so try to get the best times possible.
In all cases, ask for a log of when the spots ran along with the spot name if you have several different ads running. You must know which ads are working and which ads need to be dropped. If you run ads on more than one station you may find one station works substantially better than the other. In that case, drop the loser and double-up on the winner.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Allen Media Strategies recommends that you always negotiate with the station account executive. “Electronic media sales reps tend to have quite a bit of flexibility with their per spot rate and placement so don’t accept the first thing that is offered to you.”
The two main categories of radio stations are commercial and noncommercial.
Commercial Radio Stations
Commercial radio stations play all kinds of music which appeals to all ages and social classes. As I mentioned earlier, the demographics of commercial radio vary widely so choose your station wisely.
Radio spots are typically 60 seconds long which is about 250 to 300 words. 60 seconds is plenty of time to create an effective advertisement. Remember to start out strong to keep your listeners attention.
Best to use the radio station staff to record the commercial especially when you’re promoting a seminar or other event. You want to be positioned as a financial expert not a used car salesman. “CFP” does not stand for “Certified Financial Pitchman”!
You can be the star if you use an interview format. You provide valuable information so people see it as a mini-radio show rather than a commercial. They pay attention and don’t change the channel. Here’s a simplified version of a commercial using this format:
The announcer begins with an introduction of you and your firm. “Time for today’s Money Minute with certified financial planning professional Bob Johnson.” This acts as the headline of the ad.
The announcer asks you a quick question, “Today’s question is ‘Does a will help me if my husband gets Alzheimer's?’”
You provide a clear and concise answer: “No. Wills only go into effect upon death not disability. If your husband was mentally disabled, you would need to go to court to set up a guardianship. This is costly, time-consuming, and embarrassing. Many couples avoid this problem with a living trust.”
The announcer closes the ad with a call to action, “For a free report on estate planning essentials, call Bob Johnson of Johnson Wealth Management at 555-666-7777.” The announcer should include your USP if time permits. Remember to have them repeat your contact information at least three times to enhance recall.
Noncommercial Radio Stations
Public radio stations tend to program either a News/Talk format or classical/jazz/world music. These formats appeal to older and more affluent audiences. You won’t advertise, of course, you’ll be a “supporter”of noncommercial radio. In recent years, public radio stations have expanded what supporters can say about their businesses. For example:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. With systematic planning and proven strategies, Bob Johnson helps families prepare for all stages of life from college savings accounts, to funding a busy and vital retirement, to handling long-term care needs. You can reach Bob in his Medford office at 555-666-7777.”
Listen to your local public radio station and get a feel of what they allow. Don’t be afraid to push the envelope. Somebody has in the past and you might as well push it a bit further. Perhaps they’ll allow a community announcement like this:
“Bob Johnson and Johnson Wealth Management support the arts community and Jefferson Public Radio. On Tuesday, July 5th, Bob Johnson will be holding a community seminar to help individuals and couple learn how to avoid probate and minimize estate taxes. For more details and an invitation, call Bob Johnson in his Medford office at 555-666-7777.”
These underwriter announcements are short and to the point, and are helpful not “salesy”. They work best if recorded by a well-known and well-liked station announcer, but are often read live at public stations.
When should your ads run? Morning and afternoon drive times are the most listened to time on radio, as about 70% of radio listening happens in-car. I helped one advisor who had a 15 minute “Financial Forum” every business day at 8 a.m. This time slot worked great. Another preferred time might be the noon news hour if the station has a large at-work listenership. Not all times are the same in terms of listening levels so try to get the best times possible.
In all cases, ask for a log of when the spots ran along with the spot name if you have several different ads running. You must know which ads are working and which ads need to be dropped. If you run ads on more than one station you may find one station works substantially better than the other. In that case, drop the loser and double-up on the winner.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: How To Use Radio Advertising To Get Known As An Expert
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: How To Use Radio Advertising To Get Known As An Expert
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Radio advertising is a great way to get known in your community as an financial expert and promote your upcoming events. Your ad must lead with a attention grabbing headline to get the listeners’ interest. This keeps them from changing the station or just mentally tuning out.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Radio advertising is a great way to get known in your community as an financial expert and promote your upcoming events. Your ad must lead with a attention grabbing headline to get the listeners’ interest. This keeps them from changing the station or just mentally tuning out.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 856-revision-5
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-09 12:44:02
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/856-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/856-revision-5/
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Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
Does anyone know what Congress can or will do? Certainly not financial advisors and families with substantial assets. As this New York Times article points out, the resulting confusion has kept advisors busy this year. And wealthy families are taking advantage of the current law. I am not speaking of the Texas Billionaire who just escaped paying any estate tax !
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
This part of the story points one reason why the estate tax has been called the "optional tax" for a long time.
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
If you have ultra wealthy clients you should schedule meetings to find out if this is the year to gift money to heirs.
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
What's the likelihood of Congress doing nothing? Based on the past six months of inaction on the estate tax, January 1 arrive with an estate tax rate of 55% on the first million in assets. Imagine what that will do to the popularity of living trusts?
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
Looks like the IRS is playing catch up on the estate tax laws as well.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Source: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
Does anyone know what Congress can or will do? Certainly not financial advisors and families with substantial assets. As this New York Times article points out, the resulting confusion has kept advisors busy this year. And wealthy families are taking advantage of the current law. I am not speaking of the Texas Billionaire who just escaped paying any estate tax !
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
This part of the story points one reason why the estate tax has been called the "optional tax" for a long time.
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
If you have ultra wealthy clients you should schedule meetings to find out if this is the year to gift money to heirs.
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
What's the likelihood of Congress doing nothing? Based on the past six months of inaction on the estate tax, January 1 arrive with an estate tax rate of 55% on the first million in assets. Imagine what that will do to the popularity of living trusts?
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
Looks like the IRS is playing catch up on the estate tax laws as well.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Source: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.
It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Link: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.
It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Link: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.
It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Link: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.
It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Link: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.
It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Link: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.
It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Link: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Estate Tax Confusion Keeping Advisors Busy and Wealthy Gifting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Estate Tax Confusion Keeping Advisors Busy and Wealthy Gifting
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/862-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/862-revision-5/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
Does anyone know what Congress can or will do? Certainly not financial advisors and families with substantial assets. As this New York Times article points out, the resulting confusion has kept advisors busy this year. And wealthy families are taking advantage of the current law. I am not speaking of the Texas Billionaire who just escaped paying any estate tax !
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
This part of the story points one reason why the estate tax has been called the "optional tax" for a long time.
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
If you have ultra wealthy clients you should schedule meetings to find out if this is the year to gift money to heirs.
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
What's the likelihood of Congress doing nothing? Based on the past six months of inaction on the estate tax, January 1 arrive with an estate tax rate of 55% on the first million in assets. Imagine what that will do to the popularity of living trusts?
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
Looks like the IRS is playing catch up on the estate tax laws as well.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.
It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Source: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
Does anyone know what Congress can or will do? Certainly not financial advisors and families with substantial assets. As this New York Times article points out, the resulting confusion has kept advisors busy this year. And wealthy families are taking advantage of the current law. I am not speaking of the Texas Billionaire who just escaped paying any estate tax !
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
This part of the story points one reason why the estate tax has been called the "optional tax" for a long time.
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
If you have ultra wealthy clients you should schedule meetings to find out if this is the year to gift money to heirs.
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
What's the likelihood of Congress doing nothing? Based on the past six months of inaction on the estate tax, January 1 arrive with an estate tax rate of 55% on the first million in assets. Imagine what that will do to the popularity of living trusts?
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
Looks like the IRS is playing catch up on the estate tax laws as well.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.
It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Source: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Estate Tax Confusion Keeping Advisors Busy and Wealthy Gifting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Estate Tax Confusion Keeping Advisors Busy and Wealthy Gifting
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 862-revision-6
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 862-revision-6
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-15 17:02:00
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-15 17:02:00
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-16 00:02:00
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-16 00:02:00
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 862
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 862
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/862-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/862-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-15 17:04:06
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-16 00:04:06
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-16 00:04:06
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
Does anyone know what Congress can or will do? Certainly not financial advisors and families with substantial assets. As this New York Times article points out, the resulting confusion has kept advisors busy this year. And wealthy families are taking advantage of the current law. I am not speaking of the Texas Billionaire who just escaped paying any estate tax !
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
This part of the story points one reason why the estate tax has been called the "optional tax" for a long time.
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
If you have ultra wealthy clients you should schedule meetings to find out if this is the year to gift money to heirs.
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
What's the likelihood of Congress doing nothing? Based on the past six months of inaction on the estate tax, January 1 arrive with an estate tax rate of 55% on the first million in assets. Imagine what that will do to the popularity of living trusts?
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
Looks like the IRS is playing catch up on the estate tax laws as well.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Source: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
Does anyone know what Congress can or will do? Certainly not financial advisors and families with substantial assets. As this New York Times article points out, the resulting confusion has kept advisors busy this year. And wealthy families are taking advantage of the current law. I am not speaking of the Texas Billionaire who just escaped paying any estate tax !
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
This part of the story points one reason why the estate tax has been called the "optional tax" for a long time.
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
If you have ultra wealthy clients you should schedule meetings to find out if this is the year to gift money to heirs.
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
What's the likelihood of Congress doing nothing? Based on the past six months of inaction on the estate tax, January 1 arrive with an estate tax rate of 55% on the first million in assets. Imagine what that will do to the popularity of living trusts?
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
Looks like the IRS is playing catch up on the estate tax laws as well.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Source: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Estate Tax Confusion Keeping Advisors Busy and Wealthy Gifting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Estate Tax Confusion Keeping Advisors Busy and Wealthy Gifting
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 862-revision-7
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 862-revision-7
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-15 17:04:06
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-15 17:04:06
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-16 00:04:06
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-16 00:04:06
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 862
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 862
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/862-revision-7/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/862-revision-7/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 870
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-15 17:04:16
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-15 17:04:16
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-16 00:04:16
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-16 00:04:16
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
Does anyone know what Congress can or will do? Certainly not financial advisors and families with substantial assets. As this New York Times article points out, the resulting confusion has kept advisors busy this year. And wealthy families are taking advantage of the current law. I am not speaking of the Texas Billionaire who just escaped paying any estate tax !
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
This part of the story points one reason why the estate tax has been called the "optional tax" for a long time.
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
If you have ultra wealthy clients you should schedule meetings to find out if this is the year to gift money to heirs.
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
What's the likelihood of Congress doing nothing? Based on the past six months of inaction on the estate tax, January 1 arrive with an estate tax rate of 55% on the first million in assets. Imagine what that will do to the popularity of living trusts?
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
Looks like the IRS is playing catch up on the estate tax laws as well.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Source: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
Does anyone know what Congress can or will do? Certainly not financial advisors and families with substantial assets. As this New York Times article points out, the resulting confusion has kept advisors busy this year. And wealthy families are taking advantage of the current law. I am not speaking of the Texas Billionaire who just escaped paying any estate tax !
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
This part of the story points one reason why the estate tax has been called the "optional tax" for a long time.
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
If you have ultra wealthy clients you should schedule meetings to find out if this is the year to gift money to heirs.
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
What's the likelihood of Congress doing nothing? Based on the past six months of inaction on the estate tax, January 1 arrive with an estate tax rate of 55% on the first million in assets. Imagine what that will do to the popularity of living trusts?
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
Looks like the IRS is playing catch up on the estate tax laws as well.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Source: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Estate Tax Confusion Keeping Advisors Busy and Wealthy Gifting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Estate Tax Confusion Keeping Advisors Busy and Wealthy Gifting
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/862-revision-8/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/862-revision-8/
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-16 00:04:17
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
Does anyone know what Congress can or will do? Certainly not financial advisors and families with substantial assets. As this New York Times article points out, the resulting confusion has kept advisors busy this year. And wealthy families are taking advantage of the current law. I am not speaking of the Texas Billionaire who just escaped paying any estate tax !
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
This part of the story points one reason why the estate tax has been called the "optional tax" for a long time.
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
If you have ultra wealthy clients you should schedule meetings to find out if this is the year to gift money to heirs.
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
What's the likelihood of Congress doing nothing? Based on the past six months of inaction on the estate tax, January 1 arrive with an estate tax rate of 55% on the first million in assets. Imagine what that will do to the popularity of living trusts?
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
Looks like the IRS is playing catch up on the estate tax laws as well.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Source: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
Does anyone know what Congress can or will do? Certainly not financial advisors and families with substantial assets. As this New York Times article points out, the resulting confusion has kept advisors busy this year. And wealthy families are taking advantage of the current law. I am not speaking of the Texas Billionaire who just escaped paying any estate tax !
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
This part of the story points one reason why the estate tax has been called the "optional tax" for a long time.
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
If you have ultra wealthy clients you should schedule meetings to find out if this is the year to gift money to heirs.
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
What's the likelihood of Congress doing nothing? Based on the past six months of inaction on the estate tax, January 1 arrive with an estate tax rate of 55% on the first million in assets. Imagine what that will do to the popularity of living trusts?
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
Looks like the IRS is playing catch up on the estate tax laws as well.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Source: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Estate Tax Confusion Keeping Advisors Busy and Wealthy Gifting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Estate Tax Confusion Keeping Advisors Busy and Wealthy Gifting
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 862-revision-9
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 862-revision-9
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-16 00:04:17
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 862
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 862
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/862-revision-9/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/862-revision-9/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-16 16:09:42
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-16 23:09:42
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-16 23:09:42
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
Does anyone know what Congress can or will do? Certainly not financial advisors and families with substantial assets. As this New York Times article points out, the resulting confusion has kept advisors busy this year. And wealthy families are taking advantage of the current law. I am not speaking of the Texas Billionaire who just escaped paying any estate tax !
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
This part of the story points one reason why the estate tax has been called the "optional tax" for a long time.
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
If you have ultra wealthy clients you should schedule meetings to find out if this is the year to gift money to heirs.
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
What's the likelihood of Congress doing nothing? Based on the past six months of inaction on the estate tax, January 1 arrive with an estate tax rate of 55% on the first million in assets. Imagine what that will do to the popularity of living trusts?
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
Looks like the IRS is playing catch up on the estate tax laws as well.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Source: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
Does anyone know what Congress can or will do? Certainly not financial advisors and families with substantial assets. As this New York Times article points out, the resulting confusion has kept advisors busy this year. And wealthy families are taking advantage of the current law. I am not speaking of the Texas Billionaire who just escaped paying any estate tax !
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
This part of the story points one reason why the estate tax has been called the "optional tax" for a long time.
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
If you have ultra wealthy clients you should schedule meetings to find out if this is the year to gift money to heirs.
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
What's the likelihood of Congress doing nothing? Based on the past six months of inaction on the estate tax, January 1 arrive with an estate tax rate of 55% on the first million in assets. Imagine what that will do to the popularity of living trusts?
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
Looks like the IRS is playing catch up on the estate tax laws as well.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Source: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Estate Tax Confusion Keeps Advisors Busy & Wealthy Gifting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Estate Tax Confusion Keeps Advisors Busy & Wealthy Gifting
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 862-revision-12
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 862-revision-12
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-16 16:09:42
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-16 16:09:42
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-16 23:09:42
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-16 23:09:42
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 862
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 862
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/862-revision-12/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/862-revision-12/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 872
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-16 16:09:14
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-16 23:09:14
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-16 23:09:14
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
Does anyone know what Congress can or will do? Certainly not financial advisors and families with substantial assets. As this New York Times article points out, the resulting confusion has kept advisors busy this year. And wealthy families are taking advantage of the current law. I am not speaking of the Texas Billionaire who just escaped paying any estate tax !
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
This part of the story points one reason why the estate tax has been called the "optional tax" for a long time.
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
If you have ultra wealthy clients you should schedule meetings to find out if this is the year to gift money to heirs.
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
What's the likelihood of Congress doing nothing? Based on the past six months of inaction on the estate tax, January 1 arrive with an estate tax rate of 55% on the first million in assets. Imagine what that will do to the popularity of living trusts?
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
Looks like the IRS is playing catch up on the estate tax laws as well.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Source: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
Does anyone know what Congress can or will do? Certainly not financial advisors and families with substantial assets. As this New York Times article points out, the resulting confusion has kept advisors busy this year. And wealthy families are taking advantage of the current law. I am not speaking of the Texas Billionaire who just escaped paying any estate tax !
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
This part of the story points one reason why the estate tax has been called the "optional tax" for a long time.
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
If you have ultra wealthy clients you should schedule meetings to find out if this is the year to gift money to heirs.
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
What's the likelihood of Congress doing nothing? Based on the past six months of inaction on the estate tax, January 1 arrive with an estate tax rate of 55% on the first million in assets. Imagine what that will do to the popularity of living trusts?
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
Looks like the IRS is playing catch up on the estate tax laws as well.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Source: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Estate Tax Confusion Keeps Advisors Busy and Wealthy Gifting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Estate Tax Confusion Keeps Advisors Busy and Wealthy Gifting
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/862-revision-10/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/862-revision-10/
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-16 23:09:14
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
Does anyone know what Congress can or will do? Certainly not financial advisors and families with substantial assets. As this New York Times article points out, the resulting confusion has kept advisors busy this year. And wealthy families are taking advantage of the current law. I am not speaking of the Texas Billionaire who just escaped paying any estate tax !
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
This part of the story points one reason why the estate tax has been called the "optional tax" for a long time.
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
If you have ultra wealthy clients you should schedule meetings to find out if this is the year to gift money to heirs.
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
What's the likelihood of Congress doing nothing? Based on the past six months of inaction on the estate tax, January 1 arrive with an estate tax rate of 55% on the first million in assets. Imagine what that will do to the popularity of living trusts?
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
Looks like the IRS is playing catch up on the estate tax laws as well.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Source: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
Does anyone know what Congress can or will do? Certainly not financial advisors and families with substantial assets. As this New York Times article points out, the resulting confusion has kept advisors busy this year. And wealthy families are taking advantage of the current law. I am not speaking of the Texas Billionaire who just escaped paying any estate tax !
June 11, 2010
Confusion Over the Dormant Estate Tax Keeps Advisers Busy
By PAUL SULLIVAN
THE disappearance of the federal estate tax this year has created confusion and frustration among the wealthy, even among those who stand to benefit from it. And this has sent them in droves to amend documents that they may have to change again next year.
Steven H. Goodman, an accountant and financial planner in Melville, N.Y., says he has not had a meeting recently without clients asking him what they need to do this year and for 2011, when the tax is set to return at a higher rate than when it expired. Yet for all the business this has brought his firm, the SHG Financial Group, Mr. Goodman says he is not happy. “It’s a pain in the neck,” he said. “Even though I do this for a living, no one likes to do this.”
This part of the story points one reason why the estate tax has been called the "optional tax" for a long time.
Those who work with the extremely rich say they, too, have been exceedingly busy, but for a different reason. The wealthiest are looking to take advantage of a short-term trust that allows people to pass money to heirs tax-free — what’s known as a grantor retained annuity trust — out of fear that the federal government could change the terms of these trusts. Cheryl E. Hader, a partner in the individual clients group at Kramer Levin Naftalis & Frankel, said she set up 30 of these trusts last month, up from six in a normal month. Daniel L. Kesten, a partner in the private client group at Davis & Gilbert, a law firm in New York, said he was working nights and weekends last month setting up the same type of trusts.
How this boon to tax advisers happened is yet another chapter in the partisan gridlock common to Washington these days. At the end of 2009, Max Baucus, the Montana Democrat who is chairman of the Senate Finance Committee, tried to extend for three months the existing estate tax laws, put in place in 2001. But when that motion failed, the estate tax expired for the first time since 1916.
What this has meant is that the heirs of wealthy people who die this year will owe no taxes. An extreme case, as detailed in an article in The New York Times on Tuesday, is that of Dan L. Duncan, who died two months ago with an estimated wealth of $9 billion. His heirs will inherit his estate without paying the 45 percent tax that was in effect in 2009, billions that would have gone to the Treasury.
But it is possible that next year will bring cases of the other extreme, when the amount exempt from the federal estate tax falls to $1 million, its 2001 level, from $3.5 million in 2009, and the rate rises to 55 percent, from 45 percent.
“Dan Duncan dies and pays nothing, but the guy who dies with his house worth $2 million next year and his estate is going to pay $550,000,” said Lance S. Hall, president of FMV Opinions, a firm that values estates. “Is that fair?”
While there were rumblings at the beginning of the year that Congress might reinstate the estate tax and make it retroactive to Jan. 1, it has made no progress on the issue. And the death of someone as wealthy as Mr. Duncan makes a retroactive tax unlikely.
“Now we’re way beyond that consideration,” Mr. Kesten said. “This single family could outspend the I.R.S. in litigating this.”
If you have ultra wealthy clients you should schedule meetings to find out if this is the year to gift money to heirs.
So what will happen? If Congress does not reinstate the estate tax this year, 2010 could be a bonanza for the nation’s richest. The short-term grantor retained annuity trust, whose possible end is separate from the fate of the estate tax, is one option. But other families are simply taking advantage of the lowest gift tax rate since 1933, 35 percent, to pass millions to their heirs.
The real problem comes for the merely rich — individuals worth more than $1 million and less than $3.5 million and couples with net worths of $2 million to $7 million who previously did not have to worry about the estate tax. If Congress fails to act again this year, the estate tax laws next year will revert to their levels before 2001, and that could snare a host of people who set up the estate plans on the assumption that there would be no tax when they died.
What's the likelihood of Congress doing nothing? Based on the past six months of inaction on the estate tax, January 1 arrive with an estate tax rate of 55% on the first million in assets. Imagine what that will do to the popularity of living trusts?
“If Congress does nothing, there would be a sevenfold increase in the number of estates subject to the tax than if the exemption stayed at $3.5 million,” said John Dadakis, partner at the Holland & Knight law firm.
As the law stands, the heirs of a single person who dies next year with more than $1 million would be subject to a 55 percent tax. (For couples, it is $2 million.) Heirs of that same person, with a $3.5 million estate, would have paid nothing in 2009 but could pay as much as $1.375 million in 2011, depending on the level of planning. And while this wealth may seem high in many parts of the country, it has professionals on the coasts grumbling.
“In the Northeast, where people own their own homes and have owned them for decades and have money in their retirements, there tend to be a lot of millionaires,” Mr. Kesten said. “It would sweep a whole chunk of the upper-middle class into what used to be a fairly elite group.”
The only upside to the return to the 2001 level is clarity. Having no estate tax this year is saving wealthier people a lot of money, but at the cost of an added layer of complexity for both them and for many people who would not have had to worry about the estate tax.
That’s because the assets of people who died under the old estate tax regime were valued at the date of their death for tax purposes. Any capital gains on, for example, stocks purchased decades earlier — which would have been subject to tax if sold — were erased. That is no longer the case, and figuring out what is owed requires determining the original purchase price — however long ago that was.
Without an estate tax this year, the Internal Revenue Code grants an artificial step-up in basis, as it is called, of $1.3 million to be used at the executor’s discretion and $3 million on assets passed to a spouse. The only glitch is the Internal Revenue Service has yet to issue documents to record how this exemption has been applied.
Looks like the IRS is playing catch up on the estate tax laws as well.
“The absurdity of it all is there is not even an I.R.S. form yet to do this,” Ms. Hader said. “My client who died on Jan. 2. Even if we wanted to comply with the law as it exists now, we can’t.”
“We are aware of the increasing need for direction from the I.R.S. on this issue,” the agency said in a statement. “We will be working closely with the Treasury Department to provide answers as quickly as possible, and, if necessary, to develop a new form.”
While the tax would not be due until April 15, 2011, the problem comes when heirs need to sell something. If they received a long-held position of stock, they might want to sell part of it to diversify their holdings or raise cash. But they would incur a 15 percent capital gains tax on the appreciated amount.It is trickier for property. John Nuckolls, national director of the private client tax services practice at the accounting firm BDO, said a friend in Iowa inherited a farm from his mother that he wanted to sell. With a basis near zero, it was worth more than the $1.3 million that the I.R.S. step-up in basis would exempt but less than the $3.5 million exemption in 2009. If he sells it this year, he will incur capital gains tax.
But that is little compared with what heirs to a moderately wealthy person may pay if Congress does not act.
Source: http://www.nytimes.com/2010/06/12/your-money/estate-planning/12wealth.html?src=me
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Estate Tax Confusion Keeps Advisors Busy and Wealthy Gifting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Estate Tax Confusion Keeps Advisors Busy and Wealthy Gifting
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Summer approaches and Congress has yet to pass any estate tax legislation. Will they extend 2009 45% tax rate and $3.5 million exemption? Will they try to make it retroactive? Can they pass legislation after the Summer recess when the November election approaches? Or wait for the lame duck Congress to pass something after the election?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 862-revision-11
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 862-revision-11
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-16 16:09:14
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-16 16:09:14
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-16 23:09:14
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-16 23:09:14
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 862
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 862
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/862-revision-11/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/862-revision-11/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-24 17:52:38
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-24 17:52:38
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-25 00:52:38
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-25 00:52:38
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done. His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done. His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: multitasking-destroys-productivity
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: multitasking-destroys-productivity
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 12:46:03
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 12:46:03
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 19:46:03
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 19:46:03
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=875
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=875
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 886
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 886
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 12:45:22
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 12:45:22
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 19:45:22
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 19:45:22
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done. His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done. His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875-revision-8
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875-revision-8
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 12:45:22
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 12:45:22
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 19:45:22
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 19:45:22
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/875-revision-8/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/875-revision-8/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 876
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 876
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-24 17:32:54
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-24 17:32:54
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-25 00:32:54
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-25 00:32:54
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875-revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875-revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-24 17:32:54
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-24 17:32:54
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-25 00:32:54
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-25 00:32:54
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/875-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/875-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 879
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 879
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-24 17:34:09
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-24 17:34:09
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-25 00:34:09
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-25 00:34:09
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[caption id="" align="alignright" width="240" caption="Image via Wikipedia"]
[/caption]
The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[caption id="" align="alignright" width="240" caption="Image via Wikipedia"]
[/caption]
The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-24 17:34:09
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-24 17:34:09
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-25 00:34:09
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-25 00:34:09
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/875-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/875-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 877
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 877
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-24 17:32:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-24 17:32:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-25 00:32:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-25 00:32:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-24 17:32:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-24 17:32:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-25 00:32:57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-25 00:32:57
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/875-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/875-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 878
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 878
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-24 17:33:12
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-24 17:33:12
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-25 00:33:12
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-25 00:33:12
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-24 17:33:12
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-24 17:33:12
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-25 00:33:12
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-25 00:33:12
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/875-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/875-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 880
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 880
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-24 17:52:17
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-24 17:52:17
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-25 00:52:17
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-25 00:52:17
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[caption id="" align="alignright" width="240" caption="Image via Wikipedia"]
[/caption]
The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[caption id="" align="alignright" width="240" caption="Image via Wikipedia"]
[/caption]
The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done. His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done. His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875-revision-5
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875-revision-5
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-24 17:52:17
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-24 17:52:17
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-25 00:52:17
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-25 00:52:17
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/875-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/875-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 882
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 882
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 12:47:06
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 12:47:06
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 19:47:06
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 19:47:06
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done. His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done. His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 12:47:06
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 12:47:06
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 19:47:06
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 19:47:06
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/875-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/875-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 881
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-24 17:52:38
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-24 17:52:38
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-25 00:52:38
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-25 00:52:38
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[caption id="" align="alignright" width="240" caption="Image via Wikipedia"]
[/caption]
The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[caption id="" align="alignright" width="240" caption="Image via Wikipedia"]
[/caption]
The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done. His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done. His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875-revision-6
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875-revision-6
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-24 17:52:38
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-24 17:52:38
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-25 00:52:38
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-25 00:52:38
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/875-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/875-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 883
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 883
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 13:15:25
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 13:15:25
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 20:15:25
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 20:15:25
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Stay Up To Date! Sign up for my FREE Monthly Newsletter and receive a Free Bonus Audio Program:"7 Easy Ways to Jumpstart Your Financial Advising Business – Without Investing a Lot of Money or Time”
A new window will open and you'll be taken to my "More Assets Now!" sign up page.
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Stay Up To Date! Sign up for my FREE Monthly Newsletter and receive a Free Bonus Audio Program:"7 Easy Ways to Jumpstart Your Financial Advising Business – Without Investing a Lot of Money or Time”
A new window will open and you'll be taken to my "More Assets Now!" sign up page.
We'll never share your information with anyone, we HATE spam too! You can unsubscribe at anytime.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Popover Box copy and link
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Popover Box copy and link
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=883
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=883
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 12:44:59
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Texting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Texting
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: texting
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/Texting.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/Texting.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-24 17:52:39
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[caption id="" align="alignright" width="240" caption="Image via Wikipedia"]
[/caption]
The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[caption id="" align="alignright" width="240" caption="Image via Wikipedia"]
[/caption]
The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done.
Here are some excerpts:
“There is an illusion. The illusion is that technology, cell phones, e-mail, faxes, text messaging, and whatever is latest-and-greatest all make us more productive.
“The reality, though, is that these things will only make us productive if we take control of them.
“They are the servants. We are the masters. If we do not protect our time, we will allow ourselves to be run over by the traffic of information.”
His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
I fight this all the time when I’m at my computer. Constantly checking email, Skype beeps for chats, and incoming calls from my receptionist. This bestselling book, and it’s sequel, Invaluable: the Secret to Becoming Irreplaceable , should help.
I’m reading Invaluable chapter by chapter as I drive down the freeway. Just kidding, of course.
You will make points with your clients if follow one of my better habits. My cell phone is on manner mode 99% of the time and always during the business day. I guess 1% of the time I’m playing Ultimate Frisbee at the park and need to hear my phone ring.
You’d be surprised how appreciated clients feel when the manner mode goes off and I reach down to touch the button to put the caller into voice mail. Without even looking to see who’s calling me. Even after the client grants me permission, “Go ahead and take the call.” I tell them “I’m talking to you now” and they like that. And I let him know I’ll ignore their calls when I’m speaking with someone else.
This is the cell phone application of “Do unto others as you would have them do unto you.” Maybe that’s why they called it “manner mode” back in the early ’80’s when cell phones came out.
My wife and I have a signal that tells me it’s an emergency so take the call now. I’d tell you what it is but you might be tempted to interrupt me when I’m talking to another client!
Think about it. Let’s say I take the call from another client, prospect, vendor, or partner while I’m speaking to someone else. Either it’s a problem and I’ll be thinking of a solution. Or great news and I’ll be thinking happy thoughts. Or it’s simply a bother and I’ll be wondering why it couldn’t wait.
Radios can be tuned to two different frequencies if they overlap slightly. You can hear 2 different songs or a song and a commercial. Tough to listen to. But possible.
Your brain can really only be tuned into one conversation at a time. Either with the person you’re speaking with. Or the person calling you. Or texting you. Or instant messaging you.
Dave Crenshaw say “background tasking” won’t hurt our productivity. Some examples of background tasking include:
Eating dessert while watching a video
Reading a magazine while doing 3 miles on the treadmill
Listening to a how-to audio CD while driving
Whistle while you work (Remember Snow White?)
Task #1: Give 100% attention to the person you are with. This could be a client, a prospect, a friend, an employee, your spouse or a child. Get ready to shock them!
Task #2: Give each task 100% attention until you get it DONE. Then move on to the next task. Tell your receptionist when you cannot be interrupted. Have her schedule call backs with clients. You’ll get more accomplished each day. Now get to work!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Why Multi-tasking Destroys Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done. His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Dave Crenshaw wrote a book you need to read entitled, The Myth of Multitasking: How ‘Doing It All’ Gets Nothing Done. His book makes the point that our brains can really only do one thing at a time. What we really do is “switch-tasking” where we switch back and forth between two or more activities. He says this tires the brain thus lowering our overall productivity.
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/875-revision-7/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/875-revision-7/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Newsletter
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/883-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/883-revision/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/883-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/883-revision-2/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 19:58:33
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 19:58:33
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 883
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 883
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/883-revision-9/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/883-revision-9/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 891
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 891
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 12:52:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 12:52:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 19:52:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 19:52:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Newsletter
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Free Newsletter
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 883-revision-5
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 883-revision-5
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 12:52:40
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 19:52:40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 19:52:40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 883
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 883
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/883-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/883-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 894
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 894
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 12:57:08
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 12:57:08
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 19:57:08
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 19:57:08
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Newsletter
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Free Newsletter
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 883-revision-8
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 883-revision-8
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 12:57:08
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 12:57:08
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 19:57:08
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 19:57:08
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 883
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 883
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/883-revision-8/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/883-revision-8/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 892
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 892
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 12:54:10
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 12:54:10
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 19:54:10
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 19:54:10
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Newsletter
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Free Newsletter
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 883-revision-6
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 883-revision-6
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 12:54:10
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 19:54:10
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 19:54:10
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 883
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 883
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/883-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/883-revision-6/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 893
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 893
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 12:55:31
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 12:55:31
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 19:55:31
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 19:55:31
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Free Newsletter
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Free Newsletter
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 883-revision-7
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 883-revision-7
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 12:55:31
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 19:55:31
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 883
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 883
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/883-revision-7/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/883-revision-7/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 896
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 896
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 13:26:45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 13:26:45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 20:26:45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 20:26:45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Stay Up To Date! Sign up for my FREE Monthly Newsletter and receive a Free Bonus Audio Program:"7 Easy Ways to Jumpstart Your Financial Advising Business – Without Investing a Lot of Money or Time”
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Stay Up To Date! Sign up for my FREE Monthly Newsletter and receive a Free Bonus Audio Program:"7 Easy Ways to Jumpstart Your Financial Advising Business – Without Investing a Lot of Money or Time”
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Popover Box copy and link
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Popover Box copy and link
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 883-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 883-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 13:26:45
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 20:26:45
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 883
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 883
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/883-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/883-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 897
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 897
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 13:15:25
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 13:15:25
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-06-30 20:15:25
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-06-30 20:15:25
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Stay Up To Date! Sign up for my FREE Monthly Newsletter and receive a Free Bonus Audio Program:"7 Easy Ways to Jumpstart Your Financial Advising Business – Without Investing a Lot of Money or Time”
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Stay Up To Date! Sign up for my FREE Monthly Newsletter and receive a Free Bonus Audio Program:"7 Easy Ways to Jumpstart Your Financial Advising Business – Without Investing a Lot of Money or Time”
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 883-revision-10
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 883-revision-10
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/883-revision-10/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/883-revision-10/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: The Wall Street Journal lays it all out. The picture ain't pretty.
Deficit in July Totals $165.04 Billion
The U.S. government spent itself deeper into the red last month, paying nearly $20 billion in interest on debt and an additional $9.8 billion to help unemployed Americans.
Federal spending eclipsed revenue for the 22nd straight time, the Treasury Department said Wednesday. The $165.04 billion deficit, while a bit smaller than the $169.5 billion shortfall expected by economists polled by Dow Jones Newswires, was the second highest for the month on record. The highest was $180.68 billion in July 2009.
The government usually runs a deficit during July, which is the 10th month of the fiscal year. So far in fiscal 2010, the government spent $1.169 trillion more than it made. That figure is about $98 billion lower than during the comparable period a year earlier.
For all of fiscal 2009, the U.S. ran a record $1.42 trillion deficit. Fiscal 2010 might run a little higher—the Obama administration sees $1.47 trillion.
Wednesday's monthly Treasury statement said U.S. government revenues in July totaled $155.55 billion, compared with $151.48 billion in July 2009.
Spending was higher, totaling $320.59 billion. July 2009 spending amounted to $332.16 billion.
Year-to-date revenues were $1.75 trillion, compared with $1.74 trillion in the first 10 months of fiscal 2009. Spending so far in this fiscal year is $2.92 trillion, versus $3.01 trillion in the prior period.
Spending for benefits for the unemployed year to date totaled $121.4 billion; for July, the tab was $9.8 billion, the Treasury statement said.
Years of deficit spending by Washington have led to a mounting national debt. Interest payments so far in fiscal 2010 amount to $185.25 billion; by contrast, corporate taxes collected by the government during the same 10 months were $139.71 billion. Interest payments in July alone were $19.9 billion.
Source: http://online.wsj.com/article/SB10001424052748704901104575423601722830706.html?mod=WSJ_hp_mostpop_read
With interest rates near zero for short-term money, interest expense is $19,900,000,000 for July. So retirees depending on bank CD's shouldn't get their hopes up. You need to tell them about better ways to provide for their day-to-day retirement income.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: The Wall Street Journal lays it all out. The picture ain't pretty.
Deficit in July Totals $165.04 Billion
The U.S. government spent itself deeper into the red last month, paying nearly $20 billion in interest on debt and an additional $9.8 billion to help unemployed Americans.
Federal spending eclipsed revenue for the 22nd straight time, the Treasury Department said Wednesday. The $165.04 billion deficit, while a bit smaller than the $169.5 billion shortfall expected by economists polled by Dow Jones Newswires, was the second highest for the month on record. The highest was $180.68 billion in July 2009.
The government usually runs a deficit during July, which is the 10th month of the fiscal year. So far in fiscal 2010, the government spent $1.169 trillion more than it made. That figure is about $98 billion lower than during the comparable period a year earlier.
For all of fiscal 2009, the U.S. ran a record $1.42 trillion deficit. Fiscal 2010 might run a little higher—the Obama administration sees $1.47 trillion.
Wednesday's monthly Treasury statement said U.S. government revenues in July totaled $155.55 billion, compared with $151.48 billion in July 2009.
Spending was higher, totaling $320.59 billion. July 2009 spending amounted to $332.16 billion.
Year-to-date revenues were $1.75 trillion, compared with $1.74 trillion in the first 10 months of fiscal 2009. Spending so far in this fiscal year is $2.92 trillion, versus $3.01 trillion in the prior period.
Spending for benefits for the unemployed year to date totaled $121.4 billion; for July, the tab was $9.8 billion, the Treasury statement said.
Years of deficit spending by Washington have led to a mounting national debt. Interest payments so far in fiscal 2010 amount to $185.25 billion; by contrast, corporate taxes collected by the government during the same 10 months were $139.71 billion. Interest payments in July alone were $19.9 billion.
Source: http://online.wsj.com/article/SB10001424052748704901104575423601722830706.html?mod=WSJ_hp_mostpop_read
With interest rates near zero for short-term money, interest expense is $19,900,000,000 for July. So retirees depending on bank CD's shouldn't get their hopes up. You need to tell them about better ways to provide for their day-to-day retirement income.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Endless Deficit Spending and Advisor Marketing to Seniors
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Endless Deficit Spending and Advisor Marketing to Seniors
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You might see the near record federal deficits as a good news-bad news story for financial advisors. The good news is might skinny with this story. Maybe it will lead seniors to take a second look at their government pensions. Maybe they'll choose to save more money for retirement. Perhaps they'll decide to seek out an advisor with some sound ideas on how to live off their retirement accounts.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You might see the near record federal deficits as a good news-bad news story for financial advisors. The good news is might skinny with this story. Maybe it will lead seniors to take a second look at their government pensions. Maybe they'll choose to save more money for retirement. Perhaps they'll decide to seek out an advisor with some sound ideas on how to live off their retirement accounts.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: endless-deficit-spending-advisor-marketing-seniors
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: endless-deficit-spending-advisor-marketing-seniors
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-08-13 08:23:12
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-08-13 08:23:12
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-08-13 15:23:12
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=898
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=898
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 899
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-08-12 17:02:59
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-08-13 00:02:59
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-08-13 00:02:59
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You could see the near record federal deficits as a good news-bad news story for financial advisors.
The good news is might skinny with this story. Maybe it will lead seniors to take a second look at their government pensions. Maybe they'll choose to save more money for retirement. Perhaps they'll decide to seek out an advisor with some sound ideas on how to live off their retirement accounts.
The bad news is that government spending is totally out of control. Remember that the Federal Reserve Bank can't raise interest rates without causing the interest expense on the debt to balloon even higher than it is today. So seniors get very little on their short term money. It takes a lot more money in the bank to get a livable income.
There is really not
Deficit in July Totals $165.04 Billion
The U.S. government spent itself deeper into the red last month, paying nearly $20 billion in interest on debt and an additional $9.8 billion to help unemployed Americans.
Federal spending eclipsed revenue for the 22nd straight time, the Treasury Department said Wednesday. The $165.04 billion deficit, while a bit smaller than the $169.5 billion shortfall expected by economists polled by Dow Jones Newswires, was the second highest for the month on record. The highest was $180.68 billion in July 2009.
The government usually runs a deficit during July, which is the 10th month of the fiscal year. So far in fiscal 2010, the government spent $1.169 trillion more than it made. That figure is about $98 billion lower than during the comparable period a year earlier.
For all of fiscal 2009, the U.S. ran a record $1.42 trillion deficit. Fiscal 2010 might run a little higher—the Obama administration sees $1.47 trillion.
Wednesday's monthly Treasury statement said U.S. government revenues in July totaled $155.55 billion, compared with $151.48 billion in July 2009.
Spending was higher, totaling $320.59 billion. July 2009 spending amounted to $332.16 billion.
Year-to-date revenues were $1.75 trillion, compared with $1.74 trillion in the first 10 months of fiscal 2009. Spending so far in this fiscal year is $2.92 trillion, versus $3.01 trillion in the prior period.
Spending for benefits for the unemployed year to date totaled $121.4 billion; for July, the tab was $9.8 billion, the Treasury statement said.
Years of deficit spending by Washington have led to a mounting national debt. Interest payments so far in fiscal 2010 amount to $185.25 billion; by contrast, corporate taxes collected by the government during the same 10 months were $139.71 billion. Interest payments in July alone were $19.9 billion.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You could see the near record federal deficits as a good news-bad news story for financial advisors.
The good news is might skinny with this story. Maybe it will lead seniors to take a second look at their government pensions. Maybe they'll choose to save more money for retirement. Perhaps they'll decide to seek out an advisor with some sound ideas on how to live off their retirement accounts.
The bad news is that government spending is totally out of control. Remember that the Federal Reserve Bank can't raise interest rates without causing the interest expense on the debt to balloon even higher than it is today. So seniors get very little on their short term money. It takes a lot more money in the bank to get a livable income.
There is really not
Deficit in July Totals $165.04 Billion
The U.S. government spent itself deeper into the red last month, paying nearly $20 billion in interest on debt and an additional $9.8 billion to help unemployed Americans.
Federal spending eclipsed revenue for the 22nd straight time, the Treasury Department said Wednesday. The $165.04 billion deficit, while a bit smaller than the $169.5 billion shortfall expected by economists polled by Dow Jones Newswires, was the second highest for the month on record. The highest was $180.68 billion in July 2009.
The government usually runs a deficit during July, which is the 10th month of the fiscal year. So far in fiscal 2010, the government spent $1.169 trillion more than it made. That figure is about $98 billion lower than during the comparable period a year earlier.
For all of fiscal 2009, the U.S. ran a record $1.42 trillion deficit. Fiscal 2010 might run a little higher—the Obama administration sees $1.47 trillion.
Wednesday's monthly Treasury statement said U.S. government revenues in July totaled $155.55 billion, compared with $151.48 billion in July 2009.
Spending was higher, totaling $320.59 billion. July 2009 spending amounted to $332.16 billion.
Year-to-date revenues were $1.75 trillion, compared with $1.74 trillion in the first 10 months of fiscal 2009. Spending so far in this fiscal year is $2.92 trillion, versus $3.01 trillion in the prior period.
Spending for benefits for the unemployed year to date totaled $121.4 billion; for July, the tab was $9.8 billion, the Treasury statement said.
Years of deficit spending by Washington have led to a mounting national debt. Interest payments so far in fiscal 2010 amount to $185.25 billion; by contrast, corporate taxes collected by the government during the same 10 months were $139.71 billion. Interest payments in July alone were $19.9 billion.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Endless Deficit Spending and Advisor Marketing to Seniors
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Endless Deficit Spending and Advisor Marketing to Seniors
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 898-revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 898-revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-08-12 17:02:59
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-08-12 17:02:59
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-08-13 00:02:59
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-08-13 00:02:59
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 898
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 898
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/898-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/898-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 900
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 900
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-08-12 17:25:31
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-08-12 17:25:31
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-08-13 00:25:31
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-08-13 00:25:31
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You might see the near record federal deficits as a good news-bad news story for financial advisors.
The good news is might skinny with this story. Maybe it will lead seniors to take a second look at their government pensions. Maybe they'll choose to save more money for retirement. Perhaps they'll decide to seek out an advisor with some sound ideas on how to live off their retirement accounts.
The bad news is that government spending is totally out of control. Remember that the Federal Reserve Bank can't raise interest rates without causing the interest expense on the debt to balloon even higher than it is today. So seniors get very little on their short term money. It takes a lot more money in the bank to get a livable income.
Deficit in July Totals $165.04 Billion
The U.S. government spent itself deeper into the red last month, paying nearly $20 billion in interest on debt and an additional $9.8 billion to help unemployed Americans.
Federal spending eclipsed revenue for the 22nd straight time, the Treasury Department said Wednesday. The $165.04 billion deficit, while a bit smaller than the $169.5 billion shortfall expected by economists polled by Dow Jones Newswires, was the second highest for the month on record. The highest was $180.68 billion in July 2009.
The government usually runs a deficit during July, which is the 10th month of the fiscal year. So far in fiscal 2010, the government spent $1.169 trillion more than it made. That figure is about $98 billion lower than during the comparable period a year earlier.
For all of fiscal 2009, the U.S. ran a record $1.42 trillion deficit. Fiscal 2010 might run a little higher—the Obama administration sees $1.47 trillion.
Wednesday's monthly Treasury statement said U.S. government revenues in July totaled $155.55 billion, compared with $151.48 billion in July 2009.
Spending was higher, totaling $320.59 billion. July 2009 spending amounted to $332.16 billion.
Year-to-date revenues were $1.75 trillion, compared with $1.74 trillion in the first 10 months of fiscal 2009. Spending so far in this fiscal year is $2.92 trillion, versus $3.01 trillion in the prior period.
Spending for benefits for the unemployed year to date totaled $121.4 billion; for July, the tab was $9.8 billion, the Treasury statement said.
Years of deficit spending by Washington have led to a mounting national debt. Interest payments so far in fiscal 2010 amount to $185.25 billion; by contrast, corporate taxes collected by the government during the same 10 months were $139.71 billion. Interest payments in July alone were $19.9 billion.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You might see the near record federal deficits as a good news-bad news story for financial advisors.
The good news is might skinny with this story. Maybe it will lead seniors to take a second look at their government pensions. Maybe they'll choose to save more money for retirement. Perhaps they'll decide to seek out an advisor with some sound ideas on how to live off their retirement accounts.
The bad news is that government spending is totally out of control. Remember that the Federal Reserve Bank can't raise interest rates without causing the interest expense on the debt to balloon even higher than it is today. So seniors get very little on their short term money. It takes a lot more money in the bank to get a livable income.
Deficit in July Totals $165.04 Billion
The U.S. government spent itself deeper into the red last month, paying nearly $20 billion in interest on debt and an additional $9.8 billion to help unemployed Americans.
Federal spending eclipsed revenue for the 22nd straight time, the Treasury Department said Wednesday. The $165.04 billion deficit, while a bit smaller than the $169.5 billion shortfall expected by economists polled by Dow Jones Newswires, was the second highest for the month on record. The highest was $180.68 billion in July 2009.
The government usually runs a deficit during July, which is the 10th month of the fiscal year. So far in fiscal 2010, the government spent $1.169 trillion more than it made. That figure is about $98 billion lower than during the comparable period a year earlier.
For all of fiscal 2009, the U.S. ran a record $1.42 trillion deficit. Fiscal 2010 might run a little higher—the Obama administration sees $1.47 trillion.
Wednesday's monthly Treasury statement said U.S. government revenues in July totaled $155.55 billion, compared with $151.48 billion in July 2009.
Spending was higher, totaling $320.59 billion. July 2009 spending amounted to $332.16 billion.
Year-to-date revenues were $1.75 trillion, compared with $1.74 trillion in the first 10 months of fiscal 2009. Spending so far in this fiscal year is $2.92 trillion, versus $3.01 trillion in the prior period.
Spending for benefits for the unemployed year to date totaled $121.4 billion; for July, the tab was $9.8 billion, the Treasury statement said.
Years of deficit spending by Washington have led to a mounting national debt. Interest payments so far in fiscal 2010 amount to $185.25 billion; by contrast, corporate taxes collected by the government during the same 10 months were $139.71 billion. Interest payments in July alone were $19.9 billion.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Endless Deficit Spending and Advisor Marketing to Seniors
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Endless Deficit Spending and Advisor Marketing to Seniors
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 898-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 898-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-08-12 17:25:31
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-08-13 00:25:31
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 898
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 898
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/898-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/898-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 901
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-08-13 00:26:08
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-08-13 00:26:08
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You might see the near record federal deficits as a good news-bad news story for financial advisors.
The good news is might skinny with this story. Maybe it will lead seniors to take a second look at their government pensions. Maybe they'll choose to save more money for retirement. Perhaps they'll decide to seek out an advisor with some sound ideas on how to live off their retirement accounts.
The bad news is that government spending is totally out of control. The Federal Reserve Bank can't raise interest rates without causing the interest expense on the debt to balloon even higher than it is today. So seniors get very little on their short term money. It takes a lot more money in the bank to get a livable income.
Deficit in July Totals $165.04 Billion
The U.S. government spent itself deeper into the red last month, paying nearly $20 billion in interest on debt and an additional $9.8 billion to help unemployed Americans.
Federal spending eclipsed revenue for the 22nd straight time, the Treasury Department said Wednesday. The $165.04 billion deficit, while a bit smaller than the $169.5 billion shortfall expected by economists polled by Dow Jones Newswires, was the second highest for the month on record. The highest was $180.68 billion in July 2009.
The government usually runs a deficit during July, which is the 10th month of the fiscal year. So far in fiscal 2010, the government spent $1.169 trillion more than it made. That figure is about $98 billion lower than during the comparable period a year earlier.
For all of fiscal 2009, the U.S. ran a record $1.42 trillion deficit. Fiscal 2010 might run a little higher—the Obama administration sees $1.47 trillion.
Wednesday's monthly Treasury statement said U.S. government revenues in July totaled $155.55 billion, compared with $151.48 billion in July 2009.
Spending was higher, totaling $320.59 billion. July 2009 spending amounted to $332.16 billion.
Year-to-date revenues were $1.75 trillion, compared with $1.74 trillion in the first 10 months of fiscal 2009. Spending so far in this fiscal year is $2.92 trillion, versus $3.01 trillion in the prior period.
Spending for benefits for the unemployed year to date totaled $121.4 billion; for July, the tab was $9.8 billion, the Treasury statement said.
Years of deficit spending by Washington have led to a mounting national debt. Interest payments so far in fiscal 2010 amount to $185.25 billion; by contrast, corporate taxes collected by the government during the same 10 months were $139.71 billion. Interest payments in July alone were $19.9 billion.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You might see the near record federal deficits as a good news-bad news story for financial advisors.
The good news is might skinny with this story. Maybe it will lead seniors to take a second look at their government pensions. Maybe they'll choose to save more money for retirement. Perhaps they'll decide to seek out an advisor with some sound ideas on how to live off their retirement accounts.
The bad news is that government spending is totally out of control. The Federal Reserve Bank can't raise interest rates without causing the interest expense on the debt to balloon even higher than it is today. So seniors get very little on their short term money. It takes a lot more money in the bank to get a livable income.
Deficit in July Totals $165.04 Billion
The U.S. government spent itself deeper into the red last month, paying nearly $20 billion in interest on debt and an additional $9.8 billion to help unemployed Americans.
Federal spending eclipsed revenue for the 22nd straight time, the Treasury Department said Wednesday. The $165.04 billion deficit, while a bit smaller than the $169.5 billion shortfall expected by economists polled by Dow Jones Newswires, was the second highest for the month on record. The highest was $180.68 billion in July 2009.
The government usually runs a deficit during July, which is the 10th month of the fiscal year. So far in fiscal 2010, the government spent $1.169 trillion more than it made. That figure is about $98 billion lower than during the comparable period a year earlier.
For all of fiscal 2009, the U.S. ran a record $1.42 trillion deficit. Fiscal 2010 might run a little higher—the Obama administration sees $1.47 trillion.
Wednesday's monthly Treasury statement said U.S. government revenues in July totaled $155.55 billion, compared with $151.48 billion in July 2009.
Spending was higher, totaling $320.59 billion. July 2009 spending amounted to $332.16 billion.
Year-to-date revenues were $1.75 trillion, compared with $1.74 trillion in the first 10 months of fiscal 2009. Spending so far in this fiscal year is $2.92 trillion, versus $3.01 trillion in the prior period.
Spending for benefits for the unemployed year to date totaled $121.4 billion; for July, the tab was $9.8 billion, the Treasury statement said.
Years of deficit spending by Washington have led to a mounting national debt. Interest payments so far in fiscal 2010 amount to $185.25 billion; by contrast, corporate taxes collected by the government during the same 10 months were $139.71 billion. Interest payments in July alone were $19.9 billion.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Endless Deficit Spending and Advisor Marketing to Seniors
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Endless Deficit Spending and Advisor Marketing to Seniors
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/898-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/898-revision-3/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You might see the near record federal deficits as a good news-bad news story for financial advisors.
The good news is might skinny with this story. Maybe it will lead seniors to take a second look at their government pensions. Maybe they'll choose to save more money for retirement. Perhaps they'll decide to seek out an advisor with some sound ideas on how to live off their retirement accounts.
The bad news is that government spending is totally out of control. The Federal Reserve Bank can't raise interest rates without causing the interest expense on the debt to balloon even higher than it is today. So seniors get very little on their short term money. It takes a lot more money in the bank to get a livable income.
This article from today's The Wall Street Journal lays it all out. The picture ain't pretty.
Deficit in July Totals $165.04 Billion
The U.S. government spent itself deeper into the red last month, paying nearly $20 billion in interest on debt and an additional $9.8 billion to help unemployed Americans.
Federal spending eclipsed revenue for the 22nd straight time, the Treasury Department said Wednesday. The $165.04 billion deficit, while a bit smaller than the $169.5 billion shortfall expected by economists polled by Dow Jones Newswires, was the second highest for the month on record. The highest was $180.68 billion in July 2009.
The government usually runs a deficit during July, which is the 10th month of the fiscal year. So far in fiscal 2010, the government spent $1.169 trillion more than it made. That figure is about $98 billion lower than during the comparable period a year earlier.
For all of fiscal 2009, the U.S. ran a record $1.42 trillion deficit. Fiscal 2010 might run a little higher—the Obama administration sees $1.47 trillion.
Wednesday's monthly Treasury statement said U.S. government revenues in July totaled $155.55 billion, compared with $151.48 billion in July 2009.
Spending was higher, totaling $320.59 billion. July 2009 spending amounted to $332.16 billion.
Year-to-date revenues were $1.75 trillion, compared with $1.74 trillion in the first 10 months of fiscal 2009. Spending so far in this fiscal year is $2.92 trillion, versus $3.01 trillion in the prior period.
Spending for benefits for the unemployed year to date totaled $121.4 billion; for July, the tab was $9.8 billion, the Treasury statement said.
Years of deficit spending by Washington have led to a mounting national debt. Interest payments so far in fiscal 2010 amount to $185.25 billion; by contrast, corporate taxes collected by the government during the same 10 months were $139.71 billion. Interest payments in July alone were $19.9 billion.
Source: http://online.wsj.com/article/SB10001424052748704901104575423601722830706.html?mod=WSJ_hp_mostpop_read
With interest rates near zero for short-term money, interest expense is $19,900,000,000 for July. So retirees depending on bank CD's shouldn't get their hopes up. You need to tell them about better ways to provide for their day-to-day retirement income.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You might see the near record federal deficits as a good news-bad news story for financial advisors.
The good news is might skinny with this story. Maybe it will lead seniors to take a second look at their government pensions. Maybe they'll choose to save more money for retirement. Perhaps they'll decide to seek out an advisor with some sound ideas on how to live off their retirement accounts.
The bad news is that government spending is totally out of control. The Federal Reserve Bank can't raise interest rates without causing the interest expense on the debt to balloon even higher than it is today. So seniors get very little on their short term money. It takes a lot more money in the bank to get a livable income.
This article from today's The Wall Street Journal lays it all out. The picture ain't pretty.
Deficit in July Totals $165.04 Billion
The U.S. government spent itself deeper into the red last month, paying nearly $20 billion in interest on debt and an additional $9.8 billion to help unemployed Americans.
Federal spending eclipsed revenue for the 22nd straight time, the Treasury Department said Wednesday. The $165.04 billion deficit, while a bit smaller than the $169.5 billion shortfall expected by economists polled by Dow Jones Newswires, was the second highest for the month on record. The highest was $180.68 billion in July 2009.
The government usually runs a deficit during July, which is the 10th month of the fiscal year. So far in fiscal 2010, the government spent $1.169 trillion more than it made. That figure is about $98 billion lower than during the comparable period a year earlier.
For all of fiscal 2009, the U.S. ran a record $1.42 trillion deficit. Fiscal 2010 might run a little higher—the Obama administration sees $1.47 trillion.
Wednesday's monthly Treasury statement said U.S. government revenues in July totaled $155.55 billion, compared with $151.48 billion in July 2009.
Spending was higher, totaling $320.59 billion. July 2009 spending amounted to $332.16 billion.
Year-to-date revenues were $1.75 trillion, compared with $1.74 trillion in the first 10 months of fiscal 2009. Spending so far in this fiscal year is $2.92 trillion, versus $3.01 trillion in the prior period.
Spending for benefits for the unemployed year to date totaled $121.4 billion; for July, the tab was $9.8 billion, the Treasury statement said.
Years of deficit spending by Washington have led to a mounting national debt. Interest payments so far in fiscal 2010 amount to $185.25 billion; by contrast, corporate taxes collected by the government during the same 10 months were $139.71 billion. Interest payments in July alone were $19.9 billion.
Source: http://online.wsj.com/article/SB10001424052748704901104575423601722830706.html?mod=WSJ_hp_mostpop_read
With interest rates near zero for short-term money, interest expense is $19,900,000,000 for July. So retirees depending on bank CD's shouldn't get their hopes up. You need to tell them about better ways to provide for their day-to-day retirement income.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Endless Deficit Spending and Advisor Marketing to Seniors
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Endless Deficit Spending and Advisor Marketing to Seniors
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/898-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/898-revision-4/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: The Wall Street Journal lays it all out. The picture ain't pretty.
Deficit in July Totals $165.04 Billion
The U.S. government spent itself deeper into the red last month, paying nearly $20 billion in interest on debt and an additional $9.8 billion to help unemployed Americans.
Federal spending eclipsed revenue for the 22nd straight time, the Treasury Department said Wednesday. The $165.04 billion deficit, while a bit smaller than the $169.5 billion shortfall expected by economists polled by Dow Jones Newswires, was the second highest for the month on record. The highest was $180.68 billion in July 2009.
The government usually runs a deficit during July, which is the 10th month of the fiscal year. So far in fiscal 2010, the government spent $1.169 trillion more than it made. That figure is about $98 billion lower than during the comparable period a year earlier.
For all of fiscal 2009, the U.S. ran a record $1.42 trillion deficit. Fiscal 2010 might run a little higher—the Obama administration sees $1.47 trillion.
Wednesday's monthly Treasury statement said U.S. government revenues in July totaled $155.55 billion, compared with $151.48 billion in July 2009.
Spending was higher, totaling $320.59 billion. July 2009 spending amounted to $332.16 billion.
Year-to-date revenues were $1.75 trillion, compared with $1.74 trillion in the first 10 months of fiscal 2009. Spending so far in this fiscal year is $2.92 trillion, versus $3.01 trillion in the prior period.
Spending for benefits for the unemployed year to date totaled $121.4 billion; for July, the tab was $9.8 billion, the Treasury statement said.
Years of deficit spending by Washington have led to a mounting national debt. Interest payments so far in fiscal 2010 amount to $185.25 billion; by contrast, corporate taxes collected by the government during the same 10 months were $139.71 billion. Interest payments in July alone were $19.9 billion.
Source: http://online.wsj.com/article/SB10001424052748704901104575423601722830706.html?mod=WSJ_hp_mostpop_read
With interest rates near zero for short-term money, interest expense is $19,900,000,000 for July. So retirees depending on bank CD's shouldn't get their hopes up. You need to tell them about better ways to provide for their day-to-day retirement income.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: The Wall Street Journal lays it all out. The picture ain't pretty.
Deficit in July Totals $165.04 Billion
The U.S. government spent itself deeper into the red last month, paying nearly $20 billion in interest on debt and an additional $9.8 billion to help unemployed Americans.
Federal spending eclipsed revenue for the 22nd straight time, the Treasury Department said Wednesday. The $165.04 billion deficit, while a bit smaller than the $169.5 billion shortfall expected by economists polled by Dow Jones Newswires, was the second highest for the month on record. The highest was $180.68 billion in July 2009.
The government usually runs a deficit during July, which is the 10th month of the fiscal year. So far in fiscal 2010, the government spent $1.169 trillion more than it made. That figure is about $98 billion lower than during the comparable period a year earlier.
For all of fiscal 2009, the U.S. ran a record $1.42 trillion deficit. Fiscal 2010 might run a little higher—the Obama administration sees $1.47 trillion.
Wednesday's monthly Treasury statement said U.S. government revenues in July totaled $155.55 billion, compared with $151.48 billion in July 2009.
Spending was higher, totaling $320.59 billion. July 2009 spending amounted to $332.16 billion.
Year-to-date revenues were $1.75 trillion, compared with $1.74 trillion in the first 10 months of fiscal 2009. Spending so far in this fiscal year is $2.92 trillion, versus $3.01 trillion in the prior period.
Spending for benefits for the unemployed year to date totaled $121.4 billion; for July, the tab was $9.8 billion, the Treasury statement said.
Years of deficit spending by Washington have led to a mounting national debt. Interest payments so far in fiscal 2010 amount to $185.25 billion; by contrast, corporate taxes collected by the government during the same 10 months were $139.71 billion. Interest payments in July alone were $19.9 billion.
Source: http://online.wsj.com/article/SB10001424052748704901104575423601722830706.html?mod=WSJ_hp_mostpop_read
With interest rates near zero for short-term money, interest expense is $19,900,000,000 for July. So retirees depending on bank CD's shouldn't get their hopes up. You need to tell them about better ways to provide for their day-to-day retirement income.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Endless Deficit Spending and Advisor Marketing to Seniors
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Endless Deficit Spending and Advisor Marketing to Seniors
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You might see the near record federal deficits as a good news-bad news story for financial advisors. The good news is might skinny with this story. Maybe it will lead seniors to take a second look at their government pensions. Maybe they'll choose to save more money for retirement. Perhaps they'll decide to seek out an advisor with some sound ideas on how to live off their retirement accounts.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You might see the near record federal deficits as a good news-bad news story for financial advisors. The good news is might skinny with this story. Maybe it will lead seniors to take a second look at their government pensions. Maybe they'll choose to save more money for retirement. Perhaps they'll decide to seek out an advisor with some sound ideas on how to live off their retirement accounts.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/898-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/898-autosave/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: [caption id="attachment_905" align="alignright" width="197" caption="Teddy Roosevelt Enjoying a Good Laugh"]“THE WELFARE OF EACH OF US IS DEPENDENT FUNDAMENTALLY ON THE WELFARE OF ALL OF US” – From a speech Teddy Roosevelt gave at the New York State Fair in Syracuse, N.Y., on Sept. 7, 1903.
Over a hundred years ago, John E. Kennedy observed that "copyrighting is salesmanship in print." Every ad is made up of copyrighting (the words for the headline, body, and offer) and graphic design (font type and size, pictures, colors, etc.)
I'll leave the aesthetic critiques of the makeover to others. Let's ask one question: Did this quote really help sell President Obama's product? The product can be ObamaCare, Banker Bailout, Automaker Bailout, Green Energy Subsidies, etc.
Or was the quote taken out of context which reversed its meaning?
Thankfully, author Susan Shelley took the time to read Teddy Roosevelt's entire speech. Her conclusion was that a lot more of the speech should have been printed on the carpet. I suggest that would make the "advertisement" less effective. Perhaps he should have quoted a former president who did so much to expand socialized medicine for people over 65 years old: President George W. Bush. Perhaps not.
Let's take a look at some of Susan Shelly's article and see how the quote was taken out of context. I bolded a few choice quotes which might be used for future White House renovation projects.
A reasonable person might interpret this selection as an indication of President Obama’s core belief that the president’s job is to “spread the wealth around.” He is unafraid and undaunted, the quotations suggest, in his quest to bring moral justice to “the people.”
Unfortunately, a rug has only so much space, and President Obama had to cut somewhere. Therefore, as a service to you, the reader, America Wants To Know looked up Theodore Roosevelt’s speech at the New York State Fair in Syracuse, New York, on September 7, 1903, and we now present some of the quotations from that particular speech that are not on the rug:
“The failure in public and in private life thus to treat each man on his own merits, the recognition of this government as being either for the poor as such or for the rich as such, would prove fatal to our Republic, as such failure and such recognition have always proved fatal in the past to other republics. A healthy republican government must rest upon individuals, not upon classes or sections.”
“Class government, whether it be the government of a plutocracy or the government of a mob, is equally incompatible with the principles established in the days of Washington and perpetuated in the days of Lincoln.”
“Again and again in the republics of ancient Greece, in those of mediaeval Italy and mediaeval Flanders, this tendency was shown, and wherever the tendency became a habit it invariably and inevitably proved fatal to the state. In the final result it mattered not one whit whether the movement was in favor of one class or of another. The outcome was equally fatal, whether the country fell into the hands of a wealthy oligarchy which exploited the poor or whether it fell under the domination of a turbulent mob which plundered the rich. ”
“The reason why our future is assured lies in the fact that our people are genuinely skilled in and fitted for self-government and therefore will spurn the leadership of those who seek to excite this ferocious and foolish class antagonism.”
“Fundamentally, the unscrupulous rich man who seeks to exploit and oppress those who are less well off is in spirit not opposed to, but identical with, the unscrupulous poor man who desires to plunder and oppress those who are better off.”
“There is no worse enemy of the wage-worker than the man who condones mob violence in any shape or who preaches class hatred; and surely the slightest acquaintance with our industrial history should teach even the most short-sighted that the times of most suffering for our people as a whole, the times when business is stagnant, and capital suffers from shrinkage and gets no return from its investments, are exactly the times of hardship, and want, and grim disaster among the poor.”
“Legislation to be permanently good for any class must also be good for the Nation as a whole, and legislation which does injustice to any class is certain to work harm to the Nation. Take our currency system for example. This Nation is on a gold basis. The treasury of the public is in excellent condition. Never before has the per capita of circulation been as large as it is this day; and this circulation, moreover, is of money every dollar of which is at par with gold. Now, our having this sound currency system is of benefit to banks, of course, but it is of infinitely more benefit to the people as a whole, because of the healthy effect on business conditions.”
Yes, Theodore Roosevelt was crediting the excellent condition of the public treasury to its adherence to the gold standard. Sound money is good for the American people because it’s good for business conditions. That’s what TR said.
That’s not on the rug.
When “business is stagnant and capital suffers from shrinkage and gets no return from its investments,” it means “grim disaster” for the poor.
That’s not on the rug, either.
Turns out TR had no use for the man who “preaches class hatred” and believed the nation would always “spurn the leadership” of those who stir up “foolish class antagonism.”
TR said the rich and poor must be judged as individuals and treated equally under the law. He warned that republics were just as much at risk from those who “plundered the rich” as from those who “exploited the poor.”
You can bet that’s not on the rug.
It turns out that Teddy Roosevelt’s state fair speech, on Labor Day, was not a call to “spread the wealth around,” but a warning that attacks on the rich would bring down the whole country.
In 1903, anarchy was a spreading and violent threat to governments around the world. It was the terrorism of its day. It wasn’t what it is now, just a bunch of black-clad college students clattering their spray-paint cans outside the G-7 meeting.
In Syracuse that day, TR was trying to explain to the working people at a Labor Day event that their fates were inextricably tied to the freedom and success of wealthy capitalists.
That’s what he meant when he said, “The welfare of each of us is dependent fundamentally on the welfare of all of us.”
Do you think it’s too late to return the rug?
Source: http://www.extremeink.com/awtk/2010/08/not-on-the-rug.html
I say Teddy Roosevelt is having a good laugh right now.
The moral to the story is to carefully check all the facts in any advertisement, flyer, brochure, website, or blog post. It could be worse: You have to live with a Yellow Page ad for entire year. President Obama can fix this mistake as soon as they can manufacture some new carpet.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: [caption id="attachment_905" align="alignright" width="197" caption="Teddy Roosevelt Enjoying a Good Laugh"]“THE WELFARE OF EACH OF US IS DEPENDENT FUNDAMENTALLY ON THE WELFARE OF ALL OF US” – From a speech Teddy Roosevelt gave at the New York State Fair in Syracuse, N.Y., on Sept. 7, 1903.
Over a hundred years ago, John E. Kennedy observed that "copyrighting is salesmanship in print." Every ad is made up of copyrighting (the words for the headline, body, and offer) and graphic design (font type and size, pictures, colors, etc.)
I'll leave the aesthetic critiques of the makeover to others. Let's ask one question: Did this quote really help sell President Obama's product? The product can be ObamaCare, Banker Bailout, Automaker Bailout, Green Energy Subsidies, etc.
Or was the quote taken out of context which reversed its meaning?
Thankfully, author Susan Shelley took the time to read Teddy Roosevelt's entire speech. Her conclusion was that a lot more of the speech should have been printed on the carpet. I suggest that would make the "advertisement" less effective. Perhaps he should have quoted a former president who did so much to expand socialized medicine for people over 65 years old: President George W. Bush. Perhaps not.
Let's take a look at some of Susan Shelly's article and see how the quote was taken out of context. I bolded a few choice quotes which might be used for future White House renovation projects.
A reasonable person might interpret this selection as an indication of President Obama’s core belief that the president’s job is to “spread the wealth around.” He is unafraid and undaunted, the quotations suggest, in his quest to bring moral justice to “the people.”
Unfortunately, a rug has only so much space, and President Obama had to cut somewhere. Therefore, as a service to you, the reader, America Wants To Know looked up Theodore Roosevelt’s speech at the New York State Fair in Syracuse, New York, on September 7, 1903, and we now present some of the quotations from that particular speech that are not on the rug:
“The failure in public and in private life thus to treat each man on his own merits, the recognition of this government as being either for the poor as such or for the rich as such, would prove fatal to our Republic, as such failure and such recognition have always proved fatal in the past to other republics. A healthy republican government must rest upon individuals, not upon classes or sections.”
“Class government, whether it be the government of a plutocracy or the government of a mob, is equally incompatible with the principles established in the days of Washington and perpetuated in the days of Lincoln.”
“Again and again in the republics of ancient Greece, in those of mediaeval Italy and mediaeval Flanders, this tendency was shown, and wherever the tendency became a habit it invariably and inevitably proved fatal to the state. In the final result it mattered not one whit whether the movement was in favor of one class or of another. The outcome was equally fatal, whether the country fell into the hands of a wealthy oligarchy which exploited the poor or whether it fell under the domination of a turbulent mob which plundered the rich. ”
“The reason why our future is assured lies in the fact that our people are genuinely skilled in and fitted for self-government and therefore will spurn the leadership of those who seek to excite this ferocious and foolish class antagonism.”
“Fundamentally, the unscrupulous rich man who seeks to exploit and oppress those who are less well off is in spirit not opposed to, but identical with, the unscrupulous poor man who desires to plunder and oppress those who are better off.”
“There is no worse enemy of the wage-worker than the man who condones mob violence in any shape or who preaches class hatred; and surely the slightest acquaintance with our industrial history should teach even the most short-sighted that the times of most suffering for our people as a whole, the times when business is stagnant, and capital suffers from shrinkage and gets no return from its investments, are exactly the times of hardship, and want, and grim disaster among the poor.”
“Legislation to be permanently good for any class must also be good for the Nation as a whole, and legislation which does injustice to any class is certain to work harm to the Nation. Take our currency system for example. This Nation is on a gold basis. The treasury of the public is in excellent condition. Never before has the per capita of circulation been as large as it is this day; and this circulation, moreover, is of money every dollar of which is at par with gold. Now, our having this sound currency system is of benefit to banks, of course, but it is of infinitely more benefit to the people as a whole, because of the healthy effect on business conditions.”
Yes, Theodore Roosevelt was crediting the excellent condition of the public treasury to its adherence to the gold standard. Sound money is good for the American people because it’s good for business conditions. That’s what TR said.
That’s not on the rug.
When “business is stagnant and capital suffers from shrinkage and gets no return from its investments,” it means “grim disaster” for the poor.
That’s not on the rug, either.
Turns out TR had no use for the man who “preaches class hatred” and believed the nation would always “spurn the leadership” of those who stir up “foolish class antagonism.”
TR said the rich and poor must be judged as individuals and treated equally under the law. He warned that republics were just as much at risk from those who “plundered the rich” as from those who “exploited the poor.”
You can bet that’s not on the rug.
It turns out that Teddy Roosevelt’s state fair speech, on Labor Day, was not a call to “spread the wealth around,” but a warning that attacks on the rich would bring down the whole country.
In 1903, anarchy was a spreading and violent threat to governments around the world. It was the terrorism of its day. It wasn’t what it is now, just a bunch of black-clad college students clattering their spray-paint cans outside the G-7 meeting.
In Syracuse that day, TR was trying to explain to the working people at a Labor Day event that their fates were inextricably tied to the freedom and success of wealthy capitalists.
That’s what he meant when he said, “The welfare of each of us is dependent fundamentally on the welfare of all of us.”
Do you think it’s too late to return the rug?
Source: http://www.extremeink.com/awtk/2010/08/not-on-the-rug.html
I say Teddy Roosevelt is having a good laugh right now.
The moral to the story is to carefully check all the facts in any advertisement, flyer, brochure, website, or blog post. It could be worse: You have to live with a Yellow Page ad for entire year. President Obama can fix this mistake as soon as they can manufacture some new carpet.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Oval Office Carpet Copyrighting Misquote: Teddy Roosevelt
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Oval Office Carpet Copyrighting Misquote: Teddy Roosevelt
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: President Obama's recent renovation of the White House included a major misquote of President Teddy Roosevelt. He may have thought it would promote his message but it ended up hurting his credibility.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: President Obama's recent renovation of the White House included a major misquote of President Teddy Roosevelt. He may have thought it would promote his message but it ended up hurting his credibility.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=904
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=904
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: “THE WELFARE OF EACH OF US IS DEPENDENT FUNDAMENTALLY ON THE WELFARE OF ALL OF US” – From a speech Teddy Roosevelt gave at the New York State Fair in Syracuse, N.Y., on Sept. 7, 1903.
Over a hundred years ago, John Kennedy observed that "copyrighting is salesmanship in print." Every ad is made up of copyrighting (the words for the headline, body, and offer) and graphic design (font type and size, pictures, colors, etc.)
I'll leave the aesthetic critiques of the makeover to others. Let's ask one question: Did this quote really help sell President Obama's product? The product can be ObamaCare, Banker Bailout, Automaker Bailout, Green Energy Subsidies, etc.
Or was the quote taken out of context which reversed its meaning?
Thankfully, author Susan Shelley took the time to read Teddy Roosevelt's entire speech. Her conclusion was that a lot more of the speech should have been printed on the carpet. I suggest that would make the "advertisement" less effective. Perhaps he should have quoted a former president who did so much to expand socialized medicine for people over 65 years old: President George W. Bush. Perhaps not.
Let's take a look at some of Susan Shelly's article and see how the quote was taken out of context. I bolded a few choice quotes which might be used for future White House renovation projects.
A reasonable person might interpret this selection as an indication of President Obama’s core belief that the president’s job is to “spread the wealth around.” He is unafraid and undaunted, the quotations suggest, in his quest to bring moral justice to “the people.”
Unfortunately, a rug has only so much space, and President Obama had to cut somewhere. Therefore, as a service to you, the reader, America Wants To Know looked up Theodore Roosevelt’s speech at the New York State Fair in Syracuse, New York, on September 7, 1903, and we now present some of the quotations from that particular speech that are not on the rug:
“The failure in public and in private life thus to treat each man on his own merits, the recognition of this government as being either for the poor as such or for the rich as such, would prove fatal to our Republic, as such failure and such recognition have always proved fatal in the past to other republics. A healthy republican government must rest upon individuals, not upon classes or sections.”
“Class government, whether it be the government of a plutocracy or the government of a mob, is equally incompatible with the principles established in the days of Washington and perpetuated in the days of Lincoln.”
“Again and again in the republics of ancient Greece, in those of mediaeval Italy and mediaeval Flanders, this tendency was shown, and wherever the tendency became a habit it invariably and inevitably proved fatal to the state. In the final result it mattered not one whit whether the movement was in favor of one class or of another. The outcome was equally fatal, whether the country fell into the hands of a wealthy oligarchy which exploited the poor or whether it fell under the domination of a turbulent mob which plundered the rich. ”
“The reason why our future is assured lies in the fact that our people are genuinely skilled in and fitted for self-government and therefore will spurn the leadership of those who seek to excite this ferocious and foolish class antagonism.”
“Fundamentally, the unscrupulous rich man who seeks to exploit and oppress those who are less well off is in spirit not opposed to, but identical with, the unscrupulous poor man who desires to plunder and oppress those who are better off.”
“There is no worse enemy of the wage-worker than the man who condones mob violence in any shape or who preaches class hatred; and surely the slightest acquaintance with our industrial history should teach even the most short-sighted that the times of most suffering for our people as a whole, the times when business is stagnant, and capital suffers from shrinkage and gets no return from its investments, are exactly the times of hardship, and want, and grim disaster among the poor.”
“Legislation to be permanently good for any class must also be good for the Nation as a whole, and legislation which does injustice to any class is certain to work harm to the Nation. Take our currency system for example. This Nation is on a gold basis. The treasury of the public is in excellent condition. Never before has the per capita of circulation been as large as it is this day; and this circulation, moreover, is of money every dollar of which is at par with gold. Now, our having this sound currency system is of benefit to banks, of course, but it is of infinitely more benefit to the people as a whole, because of the healthy effect on business conditions.”
Yes, Theodore Roosevelt was crediting the excellent condition of the public treasury to its adherence to the gold standard. Sound money is good for the American people because it’s good for business conditions. That’s what TR said.
That’s not on the rug.
When “business is stagnant and capital suffers from shrinkage and gets no return from its investments,” it means “grim disaster” for the poor.
That’s not on the rug, either.
Turns out TR had no use for the man who “preaches class hatred” and believed the nation would always “spurn the leadership” of those who stir up “foolish class antagonism.”
TR said the rich and poor must be judged as individuals and treated equally under the law. He warned that republics were just as much at risk from those who “plundered the rich” as from those who “exploited the poor.”
You can bet that’s not on the rug.
It turns out that Teddy Roosevelt’s state fair speech, on Labor Day, was not a call to “spread the wealth around,” but a warning that attacks on the rich would bring down the whole country.
In 1903, anarchy was a spreading and violent threat to governments around the world. It was the terrorism of its day. It wasn’t what it is now, just a bunch of black-clad college students clattering their spray-paint cans outside the G-7 meeting.
In Syracuse that day, TR was trying to explain to the working people at a Labor Day event that their fates were inextricably tied to the freedom and success of wealthy capitalists.
That’s what he meant when he said, “The welfare of each of us is dependent fundamentally on the welfare of all of us.”
Do you think it’s too late to return the rug?
Source: http://www.extremeink.com/awtk/2010/08/not-on-the-rug.html
I say Teddy Roosevelt is having a good laugh right now.
The moral to the story is to carefully check all the facts in any advertisement, flyer, brochure, website, or blog post. It could be worse: You have to live with a Yellow Page ad for entire year. President Obama can fix this mistake as soon as they can manufacture some new carpet.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: “THE WELFARE OF EACH OF US IS DEPENDENT FUNDAMENTALLY ON THE WELFARE OF ALL OF US” – From a speech Teddy Roosevelt gave at the New York State Fair in Syracuse, N.Y., on Sept. 7, 1903.
Over a hundred years ago, John Kennedy observed that "copyrighting is salesmanship in print." Every ad is made up of copyrighting (the words for the headline, body, and offer) and graphic design (font type and size, pictures, colors, etc.)
I'll leave the aesthetic critiques of the makeover to others. Let's ask one question: Did this quote really help sell President Obama's product? The product can be ObamaCare, Banker Bailout, Automaker Bailout, Green Energy Subsidies, etc.
Or was the quote taken out of context which reversed its meaning?
Thankfully, author Susan Shelley took the time to read Teddy Roosevelt's entire speech. Her conclusion was that a lot more of the speech should have been printed on the carpet. I suggest that would make the "advertisement" less effective. Perhaps he should have quoted a former president who did so much to expand socialized medicine for people over 65 years old: President George W. Bush. Perhaps not.
Let's take a look at some of Susan Shelly's article and see how the quote was taken out of context. I bolded a few choice quotes which might be used for future White House renovation projects.
A reasonable person might interpret this selection as an indication of President Obama’s core belief that the president’s job is to “spread the wealth around.” He is unafraid and undaunted, the quotations suggest, in his quest to bring moral justice to “the people.”
Unfortunately, a rug has only so much space, and President Obama had to cut somewhere. Therefore, as a service to you, the reader, America Wants To Know looked up Theodore Roosevelt’s speech at the New York State Fair in Syracuse, New York, on September 7, 1903, and we now present some of the quotations from that particular speech that are not on the rug:
“The failure in public and in private life thus to treat each man on his own merits, the recognition of this government as being either for the poor as such or for the rich as such, would prove fatal to our Republic, as such failure and such recognition have always proved fatal in the past to other republics. A healthy republican government must rest upon individuals, not upon classes or sections.”
“Class government, whether it be the government of a plutocracy or the government of a mob, is equally incompatible with the principles established in the days of Washington and perpetuated in the days of Lincoln.”
“Again and again in the republics of ancient Greece, in those of mediaeval Italy and mediaeval Flanders, this tendency was shown, and wherever the tendency became a habit it invariably and inevitably proved fatal to the state. In the final result it mattered not one whit whether the movement was in favor of one class or of another. The outcome was equally fatal, whether the country fell into the hands of a wealthy oligarchy which exploited the poor or whether it fell under the domination of a turbulent mob which plundered the rich. ”
“The reason why our future is assured lies in the fact that our people are genuinely skilled in and fitted for self-government and therefore will spurn the leadership of those who seek to excite this ferocious and foolish class antagonism.”
“Fundamentally, the unscrupulous rich man who seeks to exploit and oppress those who are less well off is in spirit not opposed to, but identical with, the unscrupulous poor man who desires to plunder and oppress those who are better off.”
“There is no worse enemy of the wage-worker than the man who condones mob violence in any shape or who preaches class hatred; and surely the slightest acquaintance with our industrial history should teach even the most short-sighted that the times of most suffering for our people as a whole, the times when business is stagnant, and capital suffers from shrinkage and gets no return from its investments, are exactly the times of hardship, and want, and grim disaster among the poor.”
“Legislation to be permanently good for any class must also be good for the Nation as a whole, and legislation which does injustice to any class is certain to work harm to the Nation. Take our currency system for example. This Nation is on a gold basis. The treasury of the public is in excellent condition. Never before has the per capita of circulation been as large as it is this day; and this circulation, moreover, is of money every dollar of which is at par with gold. Now, our having this sound currency system is of benefit to banks, of course, but it is of infinitely more benefit to the people as a whole, because of the healthy effect on business conditions.”
Yes, Theodore Roosevelt was crediting the excellent condition of the public treasury to its adherence to the gold standard. Sound money is good for the American people because it’s good for business conditions. That’s what TR said.
That’s not on the rug.
When “business is stagnant and capital suffers from shrinkage and gets no return from its investments,” it means “grim disaster” for the poor.
That’s not on the rug, either.
Turns out TR had no use for the man who “preaches class hatred” and believed the nation would always “spurn the leadership” of those who stir up “foolish class antagonism.”
TR said the rich and poor must be judged as individuals and treated equally under the law. He warned that republics were just as much at risk from those who “plundered the rich” as from those who “exploited the poor.”
You can bet that’s not on the rug.
It turns out that Teddy Roosevelt’s state fair speech, on Labor Day, was not a call to “spread the wealth around,” but a warning that attacks on the rich would bring down the whole country.
In 1903, anarchy was a spreading and violent threat to governments around the world. It was the terrorism of its day. It wasn’t what it is now, just a bunch of black-clad college students clattering their spray-paint cans outside the G-7 meeting.
In Syracuse that day, TR was trying to explain to the working people at a Labor Day event that their fates were inextricably tied to the freedom and success of wealthy capitalists.
That’s what he meant when he said, “The welfare of each of us is dependent fundamentally on the welfare of all of us.”
Do you think it’s too late to return the rug?
Source: http://www.extremeink.com/awtk/2010/08/not-on-the-rug.html
I say Teddy Roosevelt is having a good laugh right now.
The moral to the story is to carefully check all the facts in any advertisement, flyer, brochure, website, or blog post. It could be worse: You have to live with a Yellow Page ad for entire year. President Obama can fix this mistake as soon as they can manufacture some new carpet.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Oval Office Carpet Copyrighting Misquote: Teddy Roosevelt
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Oval Office Carpet Copyrighting Misquote: Teddy Roosevelt
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-09-04 10:48:39
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 904
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/904-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/904-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 907
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-09-04 10:52:32
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-09-04 17:52:32
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-09-04 17:52:32
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: “THE WELFARE OF EACH OF US IS DEPENDENT FUNDAMENTALLY ON THE WELFARE OF ALL OF US” – From a speech Teddy Roosevelt gave at the New York State Fair in Syracuse, N.Y., on Sept. 7, 1903.
Over a hundred years ago, John Kennedy observed that "copyrighting is salesmanship in print." Every ad is made up of copyrighting (the words for the headline, body, and offer) and graphic design (font type and size, pictures, colors, etc.)
I'll leave the aesthetic critiques of the makeover to others. Let's ask one question: Did this quote really help sell President Obama's product? The product can be ObamaCare, Banker Bailout, Automaker Bailout, Green Energy Subsidies, etc.
Or was the quote taken out of context which reversed its meaning?
Thankfully, author Susan Shelley took the time to read Teddy Roosevelt's entire speech. Her conclusion was that a lot more of the speech should have been printed on the carpet. I suggest that would make the "advertisement" less effective. Perhaps he should have quoted a former president who did so much to expand socialized medicine for people over 65 years old: President George W. Bush. Perhaps not.
Let's take a look at some of Susan Shelly's article and see how the quote was taken out of context. I bolded a few choice quotes which might be used for future White House renovation projects.
A reasonable person might interpret this selection as an indication of President Obama’s core belief that the president’s job is to “spread the wealth around.” He is unafraid and undaunted, the quotations suggest, in his quest to bring moral justice to “the people.”
Unfortunately, a rug has only so much space, and President Obama had to cut somewhere. Therefore, as a service to you, the reader, America Wants To Know looked up Theodore Roosevelt’s speech at the New York State Fair in Syracuse, New York, on September 7, 1903, and we now present some of the quotations from that particular speech that are not on the rug:
“The failure in public and in private life thus to treat each man on his own merits, the recognition of this government as being either for the poor as such or for the rich as such, would prove fatal to our Republic, as such failure and such recognition have always proved fatal in the past to other republics. A healthy republican government must rest upon individuals, not upon classes or sections.”
“Class government, whether it be the government of a plutocracy or the government of a mob, is equally incompatible with the principles established in the days of Washington and perpetuated in the days of Lincoln.”
“Again and again in the republics of ancient Greece, in those of mediaeval Italy and mediaeval Flanders, this tendency was shown, and wherever the tendency became a habit it invariably and inevitably proved fatal to the state. In the final result it mattered not one whit whether the movement was in favor of one class or of another. The outcome was equally fatal, whether the country fell into the hands of a wealthy oligarchy which exploited the poor or whether it fell under the domination of a turbulent mob which plundered the rich. ”
“The reason why our future is assured lies in the fact that our people are genuinely skilled in and fitted for self-government and therefore will spurn the leadership of those who seek to excite this ferocious and foolish class antagonism.”
“Fundamentally, the unscrupulous rich man who seeks to exploit and oppress those who are less well off is in spirit not opposed to, but identical with, the unscrupulous poor man who desires to plunder and oppress those who are better off.”
“There is no worse enemy of the wage-worker than the man who condones mob violence in any shape or who preaches class hatred; and surely the slightest acquaintance with our industrial history should teach even the most short-sighted that the times of most suffering for our people as a whole, the times when business is stagnant, and capital suffers from shrinkage and gets no return from its investments, are exactly the times of hardship, and want, and grim disaster among the poor.”
“Legislation to be permanently good for any class must also be good for the Nation as a whole, and legislation which does injustice to any class is certain to work harm to the Nation. Take our currency system for example. This Nation is on a gold basis. The treasury of the public is in excellent condition. Never before has the per capita of circulation been as large as it is this day; and this circulation, moreover, is of money every dollar of which is at par with gold. Now, our having this sound currency system is of benefit to banks, of course, but it is of infinitely more benefit to the people as a whole, because of the healthy effect on business conditions.”
Yes, Theodore Roosevelt was crediting the excellent condition of the public treasury to its adherence to the gold standard. Sound money is good for the American people because it’s good for business conditions. That’s what TR said.
That’s not on the rug.
When “business is stagnant and capital suffers from shrinkage and gets no return from its investments,” it means “grim disaster” for the poor.
That’s not on the rug, either.
Turns out TR had no use for the man who “preaches class hatred” and believed the nation would always “spurn the leadership” of those who stir up “foolish class antagonism.”
TR said the rich and poor must be judged as individuals and treated equally under the law. He warned that republics were just as much at risk from those who “plundered the rich” as from those who “exploited the poor.”
You can bet that’s not on the rug.
It turns out that Teddy Roosevelt’s state fair speech, on Labor Day, was not a call to “spread the wealth around,” but a warning that attacks on the rich would bring down the whole country.
In 1903, anarchy was a spreading and violent threat to governments around the world. It was the terrorism of its day. It wasn’t what it is now, just a bunch of black-clad college students clattering their spray-paint cans outside the G-7 meeting.
In Syracuse that day, TR was trying to explain to the working people at a Labor Day event that their fates were inextricably tied to the freedom and success of wealthy capitalists.
That’s what he meant when he said, “The welfare of each of us is dependent fundamentally on the welfare of all of us.”
Do you think it’s too late to return the rug?
Source: http://www.extremeink.com/awtk/2010/08/not-on-the-rug.html
I say Teddy Roosevelt is having a good laugh right now.
The moral to the story is to carefully check all the facts in any advertisement, flyer, brochure, website, or blog post. It could be worse: You have to live with a Yellow Page ad for entire year. President Obama can fix this mistake as soon as they can manufacture some new carpet.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: “THE WELFARE OF EACH OF US IS DEPENDENT FUNDAMENTALLY ON THE WELFARE OF ALL OF US” – From a speech Teddy Roosevelt gave at the New York State Fair in Syracuse, N.Y., on Sept. 7, 1903.
Over a hundred years ago, John Kennedy observed that "copyrighting is salesmanship in print." Every ad is made up of copyrighting (the words for the headline, body, and offer) and graphic design (font type and size, pictures, colors, etc.)
I'll leave the aesthetic critiques of the makeover to others. Let's ask one question: Did this quote really help sell President Obama's product? The product can be ObamaCare, Banker Bailout, Automaker Bailout, Green Energy Subsidies, etc.
Or was the quote taken out of context which reversed its meaning?
Thankfully, author Susan Shelley took the time to read Teddy Roosevelt's entire speech. Her conclusion was that a lot more of the speech should have been printed on the carpet. I suggest that would make the "advertisement" less effective. Perhaps he should have quoted a former president who did so much to expand socialized medicine for people over 65 years old: President George W. Bush. Perhaps not.
Let's take a look at some of Susan Shelly's article and see how the quote was taken out of context. I bolded a few choice quotes which might be used for future White House renovation projects.
A reasonable person might interpret this selection as an indication of President Obama’s core belief that the president’s job is to “spread the wealth around.” He is unafraid and undaunted, the quotations suggest, in his quest to bring moral justice to “the people.”
Unfortunately, a rug has only so much space, and President Obama had to cut somewhere. Therefore, as a service to you, the reader, America Wants To Know looked up Theodore Roosevelt’s speech at the New York State Fair in Syracuse, New York, on September 7, 1903, and we now present some of the quotations from that particular speech that are not on the rug:
“The failure in public and in private life thus to treat each man on his own merits, the recognition of this government as being either for the poor as such or for the rich as such, would prove fatal to our Republic, as such failure and such recognition have always proved fatal in the past to other republics. A healthy republican government must rest upon individuals, not upon classes or sections.”
“Class government, whether it be the government of a plutocracy or the government of a mob, is equally incompatible with the principles established in the days of Washington and perpetuated in the days of Lincoln.”
“Again and again in the republics of ancient Greece, in those of mediaeval Italy and mediaeval Flanders, this tendency was shown, and wherever the tendency became a habit it invariably and inevitably proved fatal to the state. In the final result it mattered not one whit whether the movement was in favor of one class or of another. The outcome was equally fatal, whether the country fell into the hands of a wealthy oligarchy which exploited the poor or whether it fell under the domination of a turbulent mob which plundered the rich. ”
“The reason why our future is assured lies in the fact that our people are genuinely skilled in and fitted for self-government and therefore will spurn the leadership of those who seek to excite this ferocious and foolish class antagonism.”
“Fundamentally, the unscrupulous rich man who seeks to exploit and oppress those who are less well off is in spirit not opposed to, but identical with, the unscrupulous poor man who desires to plunder and oppress those who are better off.”
“There is no worse enemy of the wage-worker than the man who condones mob violence in any shape or who preaches class hatred; and surely the slightest acquaintance with our industrial history should teach even the most short-sighted that the times of most suffering for our people as a whole, the times when business is stagnant, and capital suffers from shrinkage and gets no return from its investments, are exactly the times of hardship, and want, and grim disaster among the poor.”
“Legislation to be permanently good for any class must also be good for the Nation as a whole, and legislation which does injustice to any class is certain to work harm to the Nation. Take our currency system for example. This Nation is on a gold basis. The treasury of the public is in excellent condition. Never before has the per capita of circulation been as large as it is this day; and this circulation, moreover, is of money every dollar of which is at par with gold. Now, our having this sound currency system is of benefit to banks, of course, but it is of infinitely more benefit to the people as a whole, because of the healthy effect on business conditions.”
Yes, Theodore Roosevelt was crediting the excellent condition of the public treasury to its adherence to the gold standard. Sound money is good for the American people because it’s good for business conditions. That’s what TR said.
That’s not on the rug.
When “business is stagnant and capital suffers from shrinkage and gets no return from its investments,” it means “grim disaster” for the poor.
That’s not on the rug, either.
Turns out TR had no use for the man who “preaches class hatred” and believed the nation would always “spurn the leadership” of those who stir up “foolish class antagonism.”
TR said the rich and poor must be judged as individuals and treated equally under the law. He warned that republics were just as much at risk from those who “plundered the rich” as from those who “exploited the poor.”
You can bet that’s not on the rug.
It turns out that Teddy Roosevelt’s state fair speech, on Labor Day, was not a call to “spread the wealth around,” but a warning that attacks on the rich would bring down the whole country.
In 1903, anarchy was a spreading and violent threat to governments around the world. It was the terrorism of its day. It wasn’t what it is now, just a bunch of black-clad college students clattering their spray-paint cans outside the G-7 meeting.
In Syracuse that day, TR was trying to explain to the working people at a Labor Day event that their fates were inextricably tied to the freedom and success of wealthy capitalists.
That’s what he meant when he said, “The welfare of each of us is dependent fundamentally on the welfare of all of us.”
Do you think it’s too late to return the rug?
Source: http://www.extremeink.com/awtk/2010/08/not-on-the-rug.html
I say Teddy Roosevelt is having a good laugh right now.
The moral to the story is to carefully check all the facts in any advertisement, flyer, brochure, website, or blog post. It could be worse: You have to live with a Yellow Page ad for entire year. President Obama can fix this mistake as soon as they can manufacture some new carpet.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Oval Office Carpet Copyrighting Misquote: Teddy Roosevelt
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Oval Office Carpet Copyrighting Misquote: Teddy Roosevelt
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: President Obama's recent renovation of the White House included a major misquote of President Teddy Roosevelt. He may have thought it would promote his message but it ended up hurting his credibility.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: President Obama's recent renovation of the White House included a major misquote of President Teddy Roosevelt. He may have thought it would promote his message but it ended up hurting his credibility.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 904-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 904-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-09-04 10:52:32
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-09-04 10:52:32
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-09-04 17:52:32
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-09-04 17:52:32
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 904
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 904
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/904-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/904-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 908
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 908
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-09-04 10:57:11
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-09-04 10:57:11
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-09-04 17:57:11
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-09-04 17:57:11
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: [caption id="attachment_905" align="alignright" width="197" caption="Teddy Roosevelt Enjoying a Good Laugh"]“THE WELFARE OF EACH OF US IS DEPENDENT FUNDAMENTALLY ON THE WELFARE OF ALL OF US” – From a speech Teddy Roosevelt gave at the New York State Fair in Syracuse, N.Y., on Sept. 7, 1903.
Over a hundred years ago, John Kennedy observed that "copyrighting is salesmanship in print." Every ad is made up of copyrighting (the words for the headline, body, and offer) and graphic design (font type and size, pictures, colors, etc.)
I'll leave the aesthetic critiques of the makeover to others. Let's ask one question: Did this quote really help sell President Obama's product? The product can be ObamaCare, Banker Bailout, Automaker Bailout, Green Energy Subsidies, etc.
Or was the quote taken out of context which reversed its meaning?
Thankfully, author Susan Shelley took the time to read Teddy Roosevelt's entire speech. Her conclusion was that a lot more of the speech should have been printed on the carpet. I suggest that would make the "advertisement" less effective. Perhaps he should have quoted a former president who did so much to expand socialized medicine for people over 65 years old: President George W. Bush. Perhaps not.
Let's take a look at some of Susan Shelly's article and see how the quote was taken out of context. I bolded a few choice quotes which might be used for future White House renovation projects.
A reasonable person might interpret this selection as an indication of President Obama’s core belief that the president’s job is to “spread the wealth around.” He is unafraid and undaunted, the quotations suggest, in his quest to bring moral justice to “the people.”
Unfortunately, a rug has only so much space, and President Obama had to cut somewhere. Therefore, as a service to you, the reader, America Wants To Know looked up Theodore Roosevelt’s speech at the New York State Fair in Syracuse, New York, on September 7, 1903, and we now present some of the quotations from that particular speech that are not on the rug:
“The failure in public and in private life thus to treat each man on his own merits, the recognition of this government as being either for the poor as such or for the rich as such, would prove fatal to our Republic, as such failure and such recognition have always proved fatal in the past to other republics. A healthy republican government must rest upon individuals, not upon classes or sections.”
“Class government, whether it be the government of a plutocracy or the government of a mob, is equally incompatible with the principles established in the days of Washington and perpetuated in the days of Lincoln.”
“Again and again in the republics of ancient Greece, in those of mediaeval Italy and mediaeval Flanders, this tendency was shown, and wherever the tendency became a habit it invariably and inevitably proved fatal to the state. In the final result it mattered not one whit whether the movement was in favor of one class or of another. The outcome was equally fatal, whether the country fell into the hands of a wealthy oligarchy which exploited the poor or whether it fell under the domination of a turbulent mob which plundered the rich. ”
“The reason why our future is assured lies in the fact that our people are genuinely skilled in and fitted for self-government and therefore will spurn the leadership of those who seek to excite this ferocious and foolish class antagonism.”
“Fundamentally, the unscrupulous rich man who seeks to exploit and oppress those who are less well off is in spirit not opposed to, but identical with, the unscrupulous poor man who desires to plunder and oppress those who are better off.”
“There is no worse enemy of the wage-worker than the man who condones mob violence in any shape or who preaches class hatred; and surely the slightest acquaintance with our industrial history should teach even the most short-sighted that the times of most suffering for our people as a whole, the times when business is stagnant, and capital suffers from shrinkage and gets no return from its investments, are exactly the times of hardship, and want, and grim disaster among the poor.”
“Legislation to be permanently good for any class must also be good for the Nation as a whole, and legislation which does injustice to any class is certain to work harm to the Nation. Take our currency system for example. This Nation is on a gold basis. The treasury of the public is in excellent condition. Never before has the per capita of circulation been as large as it is this day; and this circulation, moreover, is of money every dollar of which is at par with gold. Now, our having this sound currency system is of benefit to banks, of course, but it is of infinitely more benefit to the people as a whole, because of the healthy effect on business conditions.”
Yes, Theodore Roosevelt was crediting the excellent condition of the public treasury to its adherence to the gold standard. Sound money is good for the American people because it’s good for business conditions. That’s what TR said.
That’s not on the rug.
When “business is stagnant and capital suffers from shrinkage and gets no return from its investments,” it means “grim disaster” for the poor.
That’s not on the rug, either.
Turns out TR had no use for the man who “preaches class hatred” and believed the nation would always “spurn the leadership” of those who stir up “foolish class antagonism.”
TR said the rich and poor must be judged as individuals and treated equally under the law. He warned that republics were just as much at risk from those who “plundered the rich” as from those who “exploited the poor.”
You can bet that’s not on the rug.
It turns out that Teddy Roosevelt’s state fair speech, on Labor Day, was not a call to “spread the wealth around,” but a warning that attacks on the rich would bring down the whole country.
In 1903, anarchy was a spreading and violent threat to governments around the world. It was the terrorism of its day. It wasn’t what it is now, just a bunch of black-clad college students clattering their spray-paint cans outside the G-7 meeting.
In Syracuse that day, TR was trying to explain to the working people at a Labor Day event that their fates were inextricably tied to the freedom and success of wealthy capitalists.
That’s what he meant when he said, “The welfare of each of us is dependent fundamentally on the welfare of all of us.”
Do you think it’s too late to return the rug?
Source: http://www.extremeink.com/awtk/2010/08/not-on-the-rug.html
I say Teddy Roosevelt is having a good laugh right now.
The moral to the story is to carefully check all the facts in any advertisement, flyer, brochure, website, or blog post. It could be worse: You have to live with a Yellow Page ad for entire year. President Obama can fix this mistake as soon as they can manufacture some new carpet.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: [caption id="attachment_905" align="alignright" width="197" caption="Teddy Roosevelt Enjoying a Good Laugh"]“THE WELFARE OF EACH OF US IS DEPENDENT FUNDAMENTALLY ON THE WELFARE OF ALL OF US” – From a speech Teddy Roosevelt gave at the New York State Fair in Syracuse, N.Y., on Sept. 7, 1903.
Over a hundred years ago, John Kennedy observed that "copyrighting is salesmanship in print." Every ad is made up of copyrighting (the words for the headline, body, and offer) and graphic design (font type and size, pictures, colors, etc.)
I'll leave the aesthetic critiques of the makeover to others. Let's ask one question: Did this quote really help sell President Obama's product? The product can be ObamaCare, Banker Bailout, Automaker Bailout, Green Energy Subsidies, etc.
Or was the quote taken out of context which reversed its meaning?
Thankfully, author Susan Shelley took the time to read Teddy Roosevelt's entire speech. Her conclusion was that a lot more of the speech should have been printed on the carpet. I suggest that would make the "advertisement" less effective. Perhaps he should have quoted a former president who did so much to expand socialized medicine for people over 65 years old: President George W. Bush. Perhaps not.
Let's take a look at some of Susan Shelly's article and see how the quote was taken out of context. I bolded a few choice quotes which might be used for future White House renovation projects.
A reasonable person might interpret this selection as an indication of President Obama’s core belief that the president’s job is to “spread the wealth around.” He is unafraid and undaunted, the quotations suggest, in his quest to bring moral justice to “the people.”
Unfortunately, a rug has only so much space, and President Obama had to cut somewhere. Therefore, as a service to you, the reader, America Wants To Know looked up Theodore Roosevelt’s speech at the New York State Fair in Syracuse, New York, on September 7, 1903, and we now present some of the quotations from that particular speech that are not on the rug:
“The failure in public and in private life thus to treat each man on his own merits, the recognition of this government as being either for the poor as such or for the rich as such, would prove fatal to our Republic, as such failure and such recognition have always proved fatal in the past to other republics. A healthy republican government must rest upon individuals, not upon classes or sections.”
“Class government, whether it be the government of a plutocracy or the government of a mob, is equally incompatible with the principles established in the days of Washington and perpetuated in the days of Lincoln.”
“Again and again in the republics of ancient Greece, in those of mediaeval Italy and mediaeval Flanders, this tendency was shown, and wherever the tendency became a habit it invariably and inevitably proved fatal to the state. In the final result it mattered not one whit whether the movement was in favor of one class or of another. The outcome was equally fatal, whether the country fell into the hands of a wealthy oligarchy which exploited the poor or whether it fell under the domination of a turbulent mob which plundered the rich. ”
“The reason why our future is assured lies in the fact that our people are genuinely skilled in and fitted for self-government and therefore will spurn the leadership of those who seek to excite this ferocious and foolish class antagonism.”
“Fundamentally, the unscrupulous rich man who seeks to exploit and oppress those who are less well off is in spirit not opposed to, but identical with, the unscrupulous poor man who desires to plunder and oppress those who are better off.”
“There is no worse enemy of the wage-worker than the man who condones mob violence in any shape or who preaches class hatred; and surely the slightest acquaintance with our industrial history should teach even the most short-sighted that the times of most suffering for our people as a whole, the times when business is stagnant, and capital suffers from shrinkage and gets no return from its investments, are exactly the times of hardship, and want, and grim disaster among the poor.”
“Legislation to be permanently good for any class must also be good for the Nation as a whole, and legislation which does injustice to any class is certain to work harm to the Nation. Take our currency system for example. This Nation is on a gold basis. The treasury of the public is in excellent condition. Never before has the per capita of circulation been as large as it is this day; and this circulation, moreover, is of money every dollar of which is at par with gold. Now, our having this sound currency system is of benefit to banks, of course, but it is of infinitely more benefit to the people as a whole, because of the healthy effect on business conditions.”
Yes, Theodore Roosevelt was crediting the excellent condition of the public treasury to its adherence to the gold standard. Sound money is good for the American people because it’s good for business conditions. That’s what TR said.
That’s not on the rug.
When “business is stagnant and capital suffers from shrinkage and gets no return from its investments,” it means “grim disaster” for the poor.
That’s not on the rug, either.
Turns out TR had no use for the man who “preaches class hatred” and believed the nation would always “spurn the leadership” of those who stir up “foolish class antagonism.”
TR said the rich and poor must be judged as individuals and treated equally under the law. He warned that republics were just as much at risk from those who “plundered the rich” as from those who “exploited the poor.”
You can bet that’s not on the rug.
It turns out that Teddy Roosevelt’s state fair speech, on Labor Day, was not a call to “spread the wealth around,” but a warning that attacks on the rich would bring down the whole country.
In 1903, anarchy was a spreading and violent threat to governments around the world. It was the terrorism of its day. It wasn’t what it is now, just a bunch of black-clad college students clattering their spray-paint cans outside the G-7 meeting.
In Syracuse that day, TR was trying to explain to the working people at a Labor Day event that their fates were inextricably tied to the freedom and success of wealthy capitalists.
That’s what he meant when he said, “The welfare of each of us is dependent fundamentally on the welfare of all of us.”
Do you think it’s too late to return the rug?
Source: http://www.extremeink.com/awtk/2010/08/not-on-the-rug.html
I say Teddy Roosevelt is having a good laugh right now.
The moral to the story is to carefully check all the facts in any advertisement, flyer, brochure, website, or blog post. It could be worse: You have to live with a Yellow Page ad for entire year. President Obama can fix this mistake as soon as they can manufacture some new carpet.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Oval Office Carpet Copyrighting Misquote: Teddy Roosevelt
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: President Obama's recent renovation of the White House included a major misquote of President Teddy Roosevelt. He may have thought it would promote his message but it ended up hurting his credibility.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: President Obama's recent renovation of the White House included a major misquote of President Teddy Roosevelt. He may have thought it would promote his message but it ended up hurting his credibility.
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: "I love money. I love everything about it. I bought some pretty good stuff. Got me a $300 pair of socks. Got a fur sink. An electric dog polisher. A gasoline powered turtleneck sweater. And, of course, I bought some dumb stuff, too." — Steve Martin
I spoke today about telling jokes with a member of one of my local networking groups. Irv sells Aflac insurance policies and once took a stand-up comedy course in Southern California. He said that you need to write 100 jokes to get 10 worth trying out. Out of the 10 jokes you might get 1 which would be worth repeating. That's one in a hundred.
Irv told me that comedians usually tell 3 jokes per minute. So a 5-minute comedy routine would include 15 jokes from 1500 jokes written up! Now you know why comedians like Jay Leno and David Letterman have a team of joke writers to come up with enough funny jokes for each night's monologue.
Irv told me in the old days, a vaudeville comedian could come up with 20 funny jokes. These jokes would work for decades as the vaudeville troupe traveled from town to town. Not any more in these days of YouTube and Facebook. Funny comedy routines go viral and are everywhere.
Thankfully, your seminars won't be recorded and your audiences will be different every time. You won't need fresh jokes for every seminar. Find ones which work and use them over and over again.
I know one estate planning attorney who has told the same jokes for more than 20 years! He tells every audience that he has "never seen a hearse pulling a U-Haul trailer" and he gets laughs every time. He tells it more like a story anyways so audience doesn't really need to "get it" and laugh on cue. No one gets offended. No one gets embarrassed. And he gets attendees to like him and sign up for a first meeting.
My general recommendation is to tell stories not jokes. Don't poke fun at anyone but yourself. And never tire of telling the same stories over and over. Your goal is to get new clients and not get a job as a stand-up comic. A funny joke which bores you is way better than a fresh one-liner which offends someone in your audience. And that's no laughing matter!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: "I love money. I love everything about it. I bought some pretty good stuff. Got me a $300 pair of socks. Got a fur sink. An electric dog polisher. A gasoline powered turtleneck sweater. And, of course, I bought some dumb stuff, too." — Steve Martin
I spoke today about telling jokes with a member of one of my local networking groups. Irv sells Aflac insurance policies and once took a stand-up comedy course in Southern California. He said that you need to write 100 jokes to get 10 worth trying out. Out of the 10 jokes you might get 1 which would be worth repeating. That's one in a hundred.
Irv told me that comedians usually tell 3 jokes per minute. So a 5-minute comedy routine would include 15 jokes from 1500 jokes written up! Now you know why comedians like Jay Leno and David Letterman have a team of joke writers to come up with enough funny jokes for each night's monologue.
Irv told me in the old days, a vaudeville comedian could come up with 20 funny jokes. These jokes would work for decades as the vaudeville troupe traveled from town to town. Not any more in these days of YouTube and Facebook. Funny comedy routines go viral and are everywhere.
Thankfully, your seminars won't be recorded and your audiences will be different every time. You won't need fresh jokes for every seminar. Find ones which work and use them over and over again.
I know one estate planning attorney who has told the same jokes for more than 20 years! He tells every audience that he has "never seen a hearse pulling a U-Haul trailer" and he gets laughs every time. He tells it more like a story anyways so audience doesn't really need to "get it" and laugh on cue. No one gets offended. No one gets embarrassed. And he gets attendees to like him and sign up for a first meeting.
My general recommendation is to tell stories not jokes. Don't poke fun at anyone but yourself. And never tire of telling the same stories over and over. Your goal is to get new clients and not get a job as a stand-up comic. A funny joke which bores you is way better than a fresh one-liner which offends someone in your audience. And that's no laughing matter!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Seminar Marketing: Should advisors tell jokes at marketing seminars?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Seminar Marketing: Should advisors tell jokes at marketing seminars?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Should financial advisors tell jokes during your marketing seminars? This can be a risky venture. You want to be LIKED and TRUSTED by your seminar attendees so they will take the leap and schedule a first meeting. If your jokes aren't funny you risk being liked. If your jokes are deemed offensive, you definitely won't be liked.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Should financial advisors tell jokes during your marketing seminars? This can be a risky venture. You want to be LIKED and TRUSTED by your seminar attendees so they will take the leap and schedule a first meeting. If your jokes aren't funny you risk being liked. If your jokes are deemed offensive, you definitely won't be liked.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Should financial advisors tell jokes during your marketing seminars? This can be a risky venture. You want to be LIKED and TRUSTED by your seminar attendees so they will take the leap and schedule a first meeting.
If your jokes aren't funny you risk being liked. If your jokes are deemed offensive, you definitely won't be liked.
You might ask, "How hard can it be to come up with some funny jokes about retirement planning, living trusts, or wills and joint tenancy?"
I spoke today about telling jokes with a member of one of my local networking groups. Irv sells Aflac insurance policies and once took a stand-up comedy course in Southern California. He said that you need to write 100 jokes to get 10 worth trying out. Out of the 10 jokes you might get 1 which would be worth repeating. That's one in a hundred.
Irv told me that comedians usually tell 3 jokes per minute. So a 5-minute comedy routine would include 15 jokes from 1500 jokes written up! Now you know why comedians like Jay Leno and David Letterman have a team of joke writers to come up with enough funny jokes for each night's monologue.
Irv told me in the old days, a vaudeville comedian could come up with 20 funny jokes. These jokes would work for decades as the vaudeville troupe traveled from town to town. Not any more in these days of YouTube and Facebook. Funny comedy routines go viral and are everywhere.
Thankfully, your seminars won't be recorded and your audiences will be different every time. You won't need fresh jokes for every seminar. Find ones which work and use them over and over again.
I know one estate planning attorney who has told the same jokes for more than 20 years! He tells every audience that he has "never seen a hearse pulling a U-Haul trailer" and he gets laughs every time. He tells it more like a story anyways so audience doesn't really need to "get it" and laugh on cue. No one gets offended. No one gets embarrassed. And he gets attendees to like him and sign up for a first meeting.
My general recommendation is to tell stories not jokes. Don't poke fun at anyone but yourself. And never tire of telling the same stories over and over. Your goal is to get new clients and not get a job as a stand-up comic. A funny joke which bores you is way better than a fresh one-liner which offends someone in your audience. And that's no laughing matter!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Should financial advisors tell jokes during your marketing seminars? This can be a risky venture. You want to be LIKED and TRUSTED by your seminar attendees so they will take the leap and schedule a first meeting.
If your jokes aren't funny you risk being liked. If your jokes are deemed offensive, you definitely won't be liked.
You might ask, "How hard can it be to come up with some funny jokes about retirement planning, living trusts, or wills and joint tenancy?"
I spoke today about telling jokes with a member of one of my local networking groups. Irv sells Aflac insurance policies and once took a stand-up comedy course in Southern California. He said that you need to write 100 jokes to get 10 worth trying out. Out of the 10 jokes you might get 1 which would be worth repeating. That's one in a hundred.
Irv told me that comedians usually tell 3 jokes per minute. So a 5-minute comedy routine would include 15 jokes from 1500 jokes written up! Now you know why comedians like Jay Leno and David Letterman have a team of joke writers to come up with enough funny jokes for each night's monologue.
Irv told me in the old days, a vaudeville comedian could come up with 20 funny jokes. These jokes would work for decades as the vaudeville troupe traveled from town to town. Not any more in these days of YouTube and Facebook. Funny comedy routines go viral and are everywhere.
Thankfully, your seminars won't be recorded and your audiences will be different every time. You won't need fresh jokes for every seminar. Find ones which work and use them over and over again.
I know one estate planning attorney who has told the same jokes for more than 20 years! He tells every audience that he has "never seen a hearse pulling a U-Haul trailer" and he gets laughs every time. He tells it more like a story anyways so audience doesn't really need to "get it" and laugh on cue. No one gets offended. No one gets embarrassed. And he gets attendees to like him and sign up for a first meeting.
My general recommendation is to tell stories not jokes. Don't poke fun at anyone but yourself. And never tire of telling the same stories over and over. Your goal is to get new clients and not get a job as a stand-up comic. A funny joke which bores you is way better than a fresh one-liner which offends someone in your audience. And that's no laughing matter!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Seminar Marketing: Should advisors tell jokes at marketing seminars?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Seminar Marketing: Should advisors tell jokes at marketing seminars?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Should financial advisors tell jokes during your marketing seminars? This can be a risky venture. You want to be LIKED and TRUSTED by your seminar attendees so they will take the leap and schedule a first meeting. If your jokes aren't funny you risk being liked. If your jokes are deemed offensive, you definitely won't be liked.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Should financial advisors tell jokes during your marketing seminars? This can be a risky venture. You want to be LIKED and TRUSTED by your seminar attendees so they will take the leap and schedule a first meeting. If your jokes aren't funny you risk being liked. If your jokes are deemed offensive, you definitely won't be liked.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 911-revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 911-revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-22 15:01:18
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 911
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 911
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/911-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/911-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Should financial advisors tell jokes during your marketing seminars? This can be a risky venture. You want to be LIKED and TRUSTED by your seminar attendees so they will take the leap and schedule a first meeting.
If your jokes aren't funny you risk being liked. If your jokes are deemed offensive, you definitely won't be liked.
You might ask, "How hard can it be to come up with some funny jokes about retirement planning, living trusts, or wills and joint tenancy?"
I spoke today about telling jokes with a member of one of my local networking groups. Irv sells Aflac insurance policies and once took a stand-up comedy course in Southern California. He said that you need to write 100 jokes to get 10 worth trying out. Out of the 10 jokes you might get 1 which would be worth repeating. That's one in a hundred.
Irv told me that comedians usually tell 3 jokes per minute. So a 5-minute comedy routine would include 15 jokes from 1500 jokes written up! Now you know why comedians like Jay Leno and David Letterman have a team of joke writers to come up with enough funny jokes for each night's monologue.
Irv told me in the old days, a vaudeville comedian could come up with 20 funny jokes. These jokes would work for decades as the vaudeville troupe traveled from town to town. Not any more in these days of YouTube and Facebook. Funny comedy routines go viral and are everywhere.
Thankfully, your seminars won't be recorded and your audiences will be different every time. You won't need fresh jokes for every seminar. Find ones which work and use them over and over again.
I know one estate planning attorney who has told the same jokes for more than 20 years! He tells every audience that he has "never seen a hearse pulling a U-Haul trailer" and he gets laughs every time. He tells it more like a story anyways so audience doesn't really need to "get it" and laugh on cue. No one gets offended. No one gets embarrassed. And he gets attendees to like him and sign up for a first meeting.
My general recommendation is to tell stories not jokes. Don't poke fun at anyone but yourself. And never tire of telling the same stories over and over. Your goal is to get new clients and not get a job as a stand-up comic. A funny joke which bores you is way better than a fresh one-liner which offends someone in your audience. And that's no laughing matter!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Should financial advisors tell jokes during your marketing seminars? This can be a risky venture. You want to be LIKED and TRUSTED by your seminar attendees so they will take the leap and schedule a first meeting.
If your jokes aren't funny you risk being liked. If your jokes are deemed offensive, you definitely won't be liked.
You might ask, "How hard can it be to come up with some funny jokes about retirement planning, living trusts, or wills and joint tenancy?"
I spoke today about telling jokes with a member of one of my local networking groups. Irv sells Aflac insurance policies and once took a stand-up comedy course in Southern California. He said that you need to write 100 jokes to get 10 worth trying out. Out of the 10 jokes you might get 1 which would be worth repeating. That's one in a hundred.
Irv told me that comedians usually tell 3 jokes per minute. So a 5-minute comedy routine would include 15 jokes from 1500 jokes written up! Now you know why comedians like Jay Leno and David Letterman have a team of joke writers to come up with enough funny jokes for each night's monologue.
Irv told me in the old days, a vaudeville comedian could come up with 20 funny jokes. These jokes would work for decades as the vaudeville troupe traveled from town to town. Not any more in these days of YouTube and Facebook. Funny comedy routines go viral and are everywhere.
Thankfully, your seminars won't be recorded and your audiences will be different every time. You won't need fresh jokes for every seminar. Find ones which work and use them over and over again.
I know one estate planning attorney who has told the same jokes for more than 20 years! He tells every audience that he has "never seen a hearse pulling a U-Haul trailer" and he gets laughs every time. He tells it more like a story anyways so audience doesn't really need to "get it" and laugh on cue. No one gets offended. No one gets embarrassed. And he gets attendees to like him and sign up for a first meeting.
My general recommendation is to tell stories not jokes. Don't poke fun at anyone but yourself. And never tire of telling the same stories over and over. Your goal is to get new clients and not get a job as a stand-up comic. A funny joke which bores you is way better than a fresh one-liner which offends someone in your audience. And that's no laughing matter!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Seminar Marketing: Should advisors tell jokes at marketing seminars?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Seminar Marketing: Should advisors tell jokes at marketing seminars?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Should financial advisors tell jokes during your marketing seminars? This can be a risky venture. You want to be LIKED and TRUSTED by your seminar attendees so they will take the leap and schedule a first meeting. If your jokes aren't funny you risk being liked. If your jokes are deemed offensive, you definitely won't be liked.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Should financial advisors tell jokes during your marketing seminars? This can be a risky venture. You want to be LIKED and TRUSTED by your seminar attendees so they will take the leap and schedule a first meeting. If your jokes aren't funny you risk being liked. If your jokes are deemed offensive, you definitely won't be liked.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 911-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 911-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-22 15:03:20
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2011-06-22 15:03:20
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-22 22:03:20
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2011-06-22 22:03:20
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 911
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 911
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/911-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/911-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: steve martin
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: steve martin
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: steve-martin
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 911
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 911
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/steve-martin.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/steve-martin.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2011-06-22 22:04:18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Should financial advisors tell jokes during your marketing seminars? This can be a risky venture. You want to be LIKED and TRUSTED by your seminar attendees so they will take the leap and schedule a first meeting.
If your jokes aren't funny you risk being liked. If your jokes are deemed offensive, you definitely won't be liked. You might ask, "How hard can it be to come up with some funny jokes about retirement planning, living trusts, or wills and joint tenancy?"
I spoke today about telling jokes with a member of one of my local networking groups. Irv sells Aflac insurance policies and once took a stand-up comedy course in Southern California. He said that you need to write 100 jokes to get 10 worth trying out. Out of the 10 jokes you might get 1 which would be worth repeating. That's one in a hundred.
Irv told me that comedians usually tell 3 jokes per minute. So a 5-minute comedy routine would include 15 jokes from 1500 jokes written up! Now you know why comedians like Jay Leno and David Letterman have a team of joke writers to come up with enough funny jokes for each night's monologue.
Irv told me in the old days, a vaudeville comedian could come up with 20 funny jokes. These jokes would work for decades as the vaudeville troupe traveled from town to town. Not any more in these days of YouTube and Facebook. Funny comedy routines go viral and are everywhere.
Thankfully, your seminars won't be recorded and your audiences will be different every time. You won't need fresh jokes for every seminar. Find ones which work and use them over and over again.
I know one estate planning attorney who has told the same jokes for more than 20 years! He tells every audience that he has "never seen a hearse pulling a U-Haul trailer" and he gets laughs every time. He tells it more like a story anyways so audience doesn't really need to "get it" and laugh on cue. No one gets offended. No one gets embarrassed. And he gets attendees to like him and sign up for a first meeting.
My general recommendation is to tell stories not jokes. Don't poke fun at anyone but yourself. And never tire of telling the same stories over and over. Your goal is to get new clients and not get a job as a stand-up comic. A funny joke which bores you is way better than a fresh one-liner which offends someone in your audience. And that's no laughing matter!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Should financial advisors tell jokes during your marketing seminars? This can be a risky venture. You want to be LIKED and TRUSTED by your seminar attendees so they will take the leap and schedule a first meeting.
If your jokes aren't funny you risk being liked. If your jokes are deemed offensive, you definitely won't be liked. You might ask, "How hard can it be to come up with some funny jokes about retirement planning, living trusts, or wills and joint tenancy?"
I spoke today about telling jokes with a member of one of my local networking groups. Irv sells Aflac insurance policies and once took a stand-up comedy course in Southern California. He said that you need to write 100 jokes to get 10 worth trying out. Out of the 10 jokes you might get 1 which would be worth repeating. That's one in a hundred.
Irv told me that comedians usually tell 3 jokes per minute. So a 5-minute comedy routine would include 15 jokes from 1500 jokes written up! Now you know why comedians like Jay Leno and David Letterman have a team of joke writers to come up with enough funny jokes for each night's monologue.
Irv told me in the old days, a vaudeville comedian could come up with 20 funny jokes. These jokes would work for decades as the vaudeville troupe traveled from town to town. Not any more in these days of YouTube and Facebook. Funny comedy routines go viral and are everywhere.
Thankfully, your seminars won't be recorded and your audiences will be different every time. You won't need fresh jokes for every seminar. Find ones which work and use them over and over again.
I know one estate planning attorney who has told the same jokes for more than 20 years! He tells every audience that he has "never seen a hearse pulling a U-Haul trailer" and he gets laughs every time. He tells it more like a story anyways so audience doesn't really need to "get it" and laugh on cue. No one gets offended. No one gets embarrassed. And he gets attendees to like him and sign up for a first meeting.
My general recommendation is to tell stories not jokes. Don't poke fun at anyone but yourself. And never tire of telling the same stories over and over. Your goal is to get new clients and not get a job as a stand-up comic. A funny joke which bores you is way better than a fresh one-liner which offends someone in your audience. And that's no laughing matter!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Seminar Marketing: Should advisors tell jokes at marketing seminars?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Seminar Marketing: Should advisors tell jokes at marketing seminars?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Should financial advisors tell jokes during your marketing seminars? This can be a risky venture. You want to be LIKED and TRUSTED by your seminar attendees so they will take the leap and schedule a first meeting. If your jokes aren't funny you risk being liked. If your jokes are deemed offensive, you definitely won't be liked.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Should financial advisors tell jokes during your marketing seminars? This can be a risky venture. You want to be LIKED and TRUSTED by your seminar attendees so they will take the leap and schedule a first meeting. If your jokes aren't funny you risk being liked. If your jokes are deemed offensive, you definitely won't be liked.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 911-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 911-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-22 15:04:18
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-22 22:04:18
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 911
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 911
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/911-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/911-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: "I love money. I love everything about it. I bought some pretty good stuff. Got me a $300 pair of socks. Got a fur sink. An electric dog polisher. A gasoline powered turtleneck sweater. And, of course, I bought some dumb stuff, too." — Steve Martin
I spoke today about telling jokes with a member of one of my local networking groups. Irv sells Aflac insurance policies and once took a stand-up comedy course in Southern California. He said that you need to write 100 jokes to get 10 worth trying out. Out of the 10 jokes you might get 1 which would be worth repeating. That's one in a hundred.
Irv told me that comedians usually tell 3 jokes per minute. So a 5-minute comedy routine would include 15 jokes from 1500 jokes written up! Now you know why comedians like Jay Leno and David Letterman have a team of joke writers to come up with enough funny jokes for each night's monologue.
Irv told me in the old days, a vaudeville comedian could come up with 20 funny jokes. These jokes would work for decades as the vaudeville troupe traveled from town to town. Not any more in these days of YouTube and Facebook. Funny comedy routines go viral and are everywhere.
Thankfully, your seminars won't be recorded and your audiences will be different every time. You won't need fresh jokes for every seminar. Find ones which work and use them over and over again.
I know one estate planning attorney who has told the same jokes for more than 20 years! He tells every audience that he has "never seen a hearse pulling a U-Haul trailer" and he gets laughs every time. He tells it more like a story anyways so audience doesn't really need to "get it" and laugh on cue. No one gets offended. No one gets embarrassed. And he gets attendees to like him and sign up for a first meeting.
My general recommendation is to tell stories not jokes. Don't poke fun at anyone but yourself. And never tire of telling the same stories over and over. Your goal is to get new clients and not get a job as a stand-up comic. A funny joke which bores you is way better than a fresh one-liner which offends someone in your audience. And that's no laughing matter!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: "I love money. I love everything about it. I bought some pretty good stuff. Got me a $300 pair of socks. Got a fur sink. An electric dog polisher. A gasoline powered turtleneck sweater. And, of course, I bought some dumb stuff, too." — Steve Martin
I spoke today about telling jokes with a member of one of my local networking groups. Irv sells Aflac insurance policies and once took a stand-up comedy course in Southern California. He said that you need to write 100 jokes to get 10 worth trying out. Out of the 10 jokes you might get 1 which would be worth repeating. That's one in a hundred.
Irv told me that comedians usually tell 3 jokes per minute. So a 5-minute comedy routine would include 15 jokes from 1500 jokes written up! Now you know why comedians like Jay Leno and David Letterman have a team of joke writers to come up with enough funny jokes for each night's monologue.
Irv told me in the old days, a vaudeville comedian could come up with 20 funny jokes. These jokes would work for decades as the vaudeville troupe traveled from town to town. Not any more in these days of YouTube and Facebook. Funny comedy routines go viral and are everywhere.
Thankfully, your seminars won't be recorded and your audiences will be different every time. You won't need fresh jokes for every seminar. Find ones which work and use them over and over again.
I know one estate planning attorney who has told the same jokes for more than 20 years! He tells every audience that he has "never seen a hearse pulling a U-Haul trailer" and he gets laughs every time. He tells it more like a story anyways so audience doesn't really need to "get it" and laugh on cue. No one gets offended. No one gets embarrassed. And he gets attendees to like him and sign up for a first meeting.
My general recommendation is to tell stories not jokes. Don't poke fun at anyone but yourself. And never tire of telling the same stories over and over. Your goal is to get new clients and not get a job as a stand-up comic. A funny joke which bores you is way better than a fresh one-liner which offends someone in your audience. And that's no laughing matter!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Advisor Seminar Marketing: Should advisors tell jokes at marketing seminars?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Advisor Seminar Marketing: Should advisors tell jokes at marketing seminars?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Should financial advisors tell jokes during your marketing seminars? This can be a risky venture. You want to be LIKED and TRUSTED by your seminar attendees so they will take the leap and schedule a first meeting. If your jokes aren't funny you risk being liked. If your jokes are deemed offensive, you definitely won't be liked.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Should financial advisors tell jokes during your marketing seminars? This can be a risky venture. You want to be LIKED and TRUSTED by your seminar attendees so they will take the leap and schedule a first meeting. If your jokes aren't funny you risk being liked. If your jokes are deemed offensive, you definitely won't be liked.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 911-revision-4
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/911-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/911-revision-4/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking.
Yet this story pushes things to an extreme when a man had a heart attack during a lecture on heart disease. Thankfully the story has a happy ending.
LEWISTON — Dr. William Phillips figured he was being kidded when a lecture on coronary heart disease was interrupted by a man complaining of chest pain.
A moment later, the cardiologist and nearby nurses saved the man's life.
"I can't tell you how I was hoping that guy was going to open his eyes, because, I thought, nothing could be worse if he dies right here," Phillips said Tuesday.
As Phillips and the nurses began CPR, m"In the meantime, he had completely arrested," the doctor said. "He had no pulse. He wasn't breathing. We started CPR and everybody's standing around."
Three cardiac rehab nurses — Brenda Robitaille, Nicola Adams and Heidi Langois — were there, too.
"It wasn't just me," Phillips said. "If I had been alone, it would have been terrible."
One of the nurses brought in an automated external defibrillator, a portable electronic device that diagnoses a sudden, life-threatening heart problem and shocks the heart back into rhythm.
"The AED saved his life," Phillips said.
"Then, (paramedics) came in the door," he said. "They started an IV. They gave him an EKG and took the patient over to the emergency room."
Later, Phillips checked in on the man.
"I went over to the emergency room, and he was sitting up in the bed, talking with his wife and waiting for test results," the doctor said. Central Maine Medical Center declined to identify the patient, citing confidentiality laws.
But before Phillips checked on the man, he had a lecture to finish.
"After we had taken a breather, everybody wanted to continue on with the talk," he said. "It was a pretty impressive event. I think the people there will remember the lecture for that."
Phillips hopes the attendees will remember the importance of rapid response to heart problems.
Source: http://www.sunjournal.com/city/story/1052780
You may not save someone's life during a living trust seminar. So you won't make the national news like this story. Yet you can help save family's financial lives with a timely and informative community seminar.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking.
Yet this story pushes things to an extreme when a man had a heart attack during a lecture on heart disease. Thankfully the story has a happy ending.
LEWISTON — Dr. William Phillips figured he was being kidded when a lecture on coronary heart disease was interrupted by a man complaining of chest pain.
A moment later, the cardiologist and nearby nurses saved the man's life.
"I can't tell you how I was hoping that guy was going to open his eyes, because, I thought, nothing could be worse if he dies right here," Phillips said Tuesday.
As Phillips and the nurses began CPR, m"In the meantime, he had completely arrested," the doctor said. "He had no pulse. He wasn't breathing. We started CPR and everybody's standing around."
Three cardiac rehab nurses — Brenda Robitaille, Nicola Adams and Heidi Langois — were there, too.
"It wasn't just me," Phillips said. "If I had been alone, it would have been terrible."
One of the nurses brought in an automated external defibrillator, a portable electronic device that diagnoses a sudden, life-threatening heart problem and shocks the heart back into rhythm.
"The AED saved his life," Phillips said.
"Then, (paramedics) came in the door," he said. "They started an IV. They gave him an EKG and took the patient over to the emergency room."
Later, Phillips checked in on the man.
"I went over to the emergency room, and he was sitting up in the bed, talking with his wife and waiting for test results," the doctor said. Central Maine Medical Center declined to identify the patient, citing confidentiality laws.
But before Phillips checked on the man, he had a lecture to finish.
"After we had taken a breather, everybody wanted to continue on with the talk," he said. "It was a pretty impressive event. I think the people there will remember the lecture for that."
Phillips hopes the attendees will remember the importance of rapid response to heart problems.
Source: http://www.sunjournal.com/city/story/1052780
You may not save someone's life during a living trust seminar. So you won't make the national news like this story. Yet you can help save family's financial lives with a timely and informative community seminar.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Seminar Marketing: Don't Let a Heart Attack Stop Your Seminar!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Seminar Marketing: Don't Let a Heart Attack Stop Your Seminar!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking. Yet this story pushes things to an extreme when a man had a heart attack during a lecture on heart disease.
Yet this story pushes things to an extreme.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking. Yet this story pushes things to an extreme when a man had a heart attack during a lecture on heart disease.
Yet this story pushes things to an extreme.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-29 21:48:00
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=917
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Central Maine Medical Center cardiac rehabilitation nurses do their "Charlie's Angels" impression Tuesday afternoon with Dr. William Phillips outside the Lewiston hospital. As Phillips gave a lecture Monday night on heart issues, a member of the audience had a heart attack. Thanks to the quick action by Phillips and the nurses, the patient survived and is resting comfortably at CMMC. From left are Brenda Robitaille, Nicola Adams and Heidi Langlois.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Central Maine Medical Center cardiac rehabilitation nurses do their "Charlie's Angels" impression Tuesday afternoon with Dr. William Phillips outside the Lewiston hospital. As Phillips gave a lecture Monday night on heart issues, a member of the audience had a heart attack. Thanks to the quick action by Phillips and the nurses, the patient survived and is resting comfortably at CMMC. From left are Brenda Robitaille, Nicola Adams and Heidi Langlois.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Doctor Nurses heart attack during lecture
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/Doctor-Nurses-heart-attack-during-lecture.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/Doctor-Nurses-heart-attack-during-lecture.jpg
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You'll never have enough audience interaction to keep your seminars interesting and lively. Yet this story pushes things to an extreme. Thankfully the story has a happy ending.
LEWISTON — Dr. William Phillips figured he was being kidded when a lecture on coronary heart disease was interrupted by a man complaining of chest pain.
A moment later, the cardiologist and nearby nurses saved the man's life.
"I can't tell you how I was hoping that guy was going to open his eyes, because, I thought, nothing could be worse if he dies right here," Phillips said Tuesday.
As Phillips and the nurses began CPR, more than 100 people, many with histories of heart problems, watched.
"What I'm hoping is that they got the lesson about calling 911," he said. "They got to see firsthand the importance of immediate response."
The lecture had begun in the usual way.
Folks gathered Monday evening in a conference room at 12 High St. beside Central Maine Medical Center. The topic was a comparison of bypass surgery versus stenting for heart patients.
"We were talking about angina and this man raised his hand and said, 'I'm having it right now,'" Phillips said. "I said, 'Are you kidding?'
"And he said, 'No.'"
That's when Phillips got serious.
"I said to one of the nurses, 'Could you get a wheelchair and take him over to the emergency room?'" Phillips said.
There wasn't time, though. The man collapsed and Phillips ran to his side.
"In the meantime, he had completely arrested," the doctor said. "He had no pulse. He wasn't breathing. We started CPR and everybody's standing around."
Three cardiac rehab nurses — Brenda Robitaille, Nicola Adams and Heidi Langois — were there, too.
"It wasn't just me," Phillips said. "If I had been alone, it would have been terrible."
One of the nurses brought in an automated external defibrillator, a portable electronic device that diagnoses a sudden, life-threatening heart problem and shocks the heart back into rhythm.
"The AED saved his life," Phillips said.
"Then, (paramedics) came in the door," he said. "They started an IV. They gave him an EKG and took the patient over to the emergency room."
Later, Phillips checked in on the man.
"I went over to the emergency room, and he was sitting up in the bed, talking with his wife and waiting for test results," the doctor said. Central Maine Medical Center declined to identify the patient, citing confidentiality laws.
But before Phillips checked on the man, he had a lecture to finish.
"After we had taken a breather, everybody wanted to continue on with the talk," he said. "It was a pretty impressive event. I think the people there will remember the lecture for that."
Phillips hopes the attendees will remember the importance of rapid response to heart problems.
"What if the man had been driving himself to the hospital?" Phillips said. The incident also highlighted the use of AEDs.
A West Paris man used one to save his father on June 12. The devices are becoming more common in local institutions such as schools.
"This is the second time in as many weeks that a local (AED) has saved a life," Phillips said.
Source: http://www.sunjournal.com/city/story/1052780
You may not save someone's life during a living trust seminar. So you won't make the national news like this story. Yet you can help save family's financial lives with a timely and informative c
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You'll never have enough audience interaction to keep your seminars interesting and lively. Yet this story pushes things to an extreme. Thankfully the story has a happy ending.
LEWISTON — Dr. William Phillips figured he was being kidded when a lecture on coronary heart disease was interrupted by a man complaining of chest pain.
A moment later, the cardiologist and nearby nurses saved the man's life.
"I can't tell you how I was hoping that guy was going to open his eyes, because, I thought, nothing could be worse if he dies right here," Phillips said Tuesday.
As Phillips and the nurses began CPR, more than 100 people, many with histories of heart problems, watched.
"What I'm hoping is that they got the lesson about calling 911," he said. "They got to see firsthand the importance of immediate response."
The lecture had begun in the usual way.
Folks gathered Monday evening in a conference room at 12 High St. beside Central Maine Medical Center. The topic was a comparison of bypass surgery versus stenting for heart patients.
"We were talking about angina and this man raised his hand and said, 'I'm having it right now,'" Phillips said. "I said, 'Are you kidding?'
"And he said, 'No.'"
That's when Phillips got serious.
"I said to one of the nurses, 'Could you get a wheelchair and take him over to the emergency room?'" Phillips said.
There wasn't time, though. The man collapsed and Phillips ran to his side.
"In the meantime, he had completely arrested," the doctor said. "He had no pulse. He wasn't breathing. We started CPR and everybody's standing around."
Three cardiac rehab nurses — Brenda Robitaille, Nicola Adams and Heidi Langois — were there, too.
"It wasn't just me," Phillips said. "If I had been alone, it would have been terrible."
One of the nurses brought in an automated external defibrillator, a portable electronic device that diagnoses a sudden, life-threatening heart problem and shocks the heart back into rhythm.
"The AED saved his life," Phillips said.
"Then, (paramedics) came in the door," he said. "They started an IV. They gave him an EKG and took the patient over to the emergency room."
Later, Phillips checked in on the man.
"I went over to the emergency room, and he was sitting up in the bed, talking with his wife and waiting for test results," the doctor said. Central Maine Medical Center declined to identify the patient, citing confidentiality laws.
But before Phillips checked on the man, he had a lecture to finish.
"After we had taken a breather, everybody wanted to continue on with the talk," he said. "It was a pretty impressive event. I think the people there will remember the lecture for that."
Phillips hopes the attendees will remember the importance of rapid response to heart problems.
"What if the man had been driving himself to the hospital?" Phillips said. The incident also highlighted the use of AEDs.
A West Paris man used one to save his father on June 12. The devices are becoming more common in local institutions such as schools.
"This is the second time in as many weeks that a local (AED) has saved a life," Phillips said.
Source: http://www.sunjournal.com/city/story/1052780
You may not save someone's life during a living trust seminar. So you won't make the national news like this story. Yet you can help save family's financial lives with a timely and informative c
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Seminar Marketing: Don't Let a Heart Attack Stop Your Seminar!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Seminar Marketing: Don't Let a Heart Attack Stop Your Seminar!
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: You'll never have enough audience interaction to keep your seminars interesting and lively. Yet this story pushes things to an extreme. Thankfully the story has a happy ending.
LEWISTON — Dr. William Phillips figured he was being kidded when a lecture on coronary heart disease was interrupted by a man complaining of chest pain.
A moment later, the cardiologist and nearby nurses saved the man's life.
"I can't tell you how I was hoping that guy was going to open his eyes, because, I thought, nothing could be worse if he dies right here," Phillips said Tuesday.
As Phillips and the nurses began CPR, more than 100 people, many with histories of heart problems, watched.
"What I'm hoping is that they got the lesson about calling 911," he said. "They got to see firsthand the importance of immediate response."
The lecture had begun in the usual way.
Folks gathered Monday evening in a conference room at 12 High St. beside Central Maine Medical Center. The topic was a comparison of bypass surgery versus stenting for heart patients.
"We were talking about angina and this man raised his hand and said, 'I'm having it right now,'" Phillips said. "I said, 'Are you kidding?'
"And he said, 'No.'"
That's when Phillips got serious.
"I said to one of the nurses, 'Could you get a wheelchair and take him over to the emergency room?'" Phillips said.
There wasn't time, though. The man collapsed and Phillips ran to his side.
"In the meantime, he had completely arrested," the doctor said. "He had no pulse. He wasn't breathing. We started CPR and everybody's standing around."
Three cardiac rehab nurses — Brenda Robitaille, Nicola Adams and Heidi Langois — were there, too.
"It wasn't just me," Phillips said. "If I had been alone, it would have been terrible."
One of the nurses brought in an automated external defibrillator, a portable electronic device that diagnoses a sudden, life-threatening heart problem and shocks the heart back into rhythm.
"The AED saved his life," Phillips said.
"Then, (paramedics) came in the door," he said. "They started an IV. They gave him an EKG and took the patient over to the emergency room."
Later, Phillips checked in on the man.
"I went over to the emergency room, and he was sitting up in the bed, talking with his wife and waiting for test results," the doctor said. Central Maine Medical Center declined to identify the patient, citing confidentiality laws.
But before Phillips checked on the man, he had a lecture to finish.
"After we had taken a breather, everybody wanted to continue on with the talk," he said. "It was a pretty impressive event. I think the people there will remember the lecture for that."
Phillips hopes the attendees will remember the importance of rapid response to heart problems.
Source: http://www.sunjournal.com/city/story/1052780
You may not save someone's life during a living trust seminar. So you won't make the national news like this story. Yet you can help save family's financial lives with a timely and informative community seminar.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: You'll never have enough audience interaction to keep your seminars interesting and lively. Yet this story pushes things to an extreme. Thankfully the story has a happy ending.
LEWISTON — Dr. William Phillips figured he was being kidded when a lecture on coronary heart disease was interrupted by a man complaining of chest pain.
A moment later, the cardiologist and nearby nurses saved the man's life.
"I can't tell you how I was hoping that guy was going to open his eyes, because, I thought, nothing could be worse if he dies right here," Phillips said Tuesday.
As Phillips and the nurses began CPR, more than 100 people, many with histories of heart problems, watched.
"What I'm hoping is that they got the lesson about calling 911," he said. "They got to see firsthand the importance of immediate response."
The lecture had begun in the usual way.
Folks gathered Monday evening in a conference room at 12 High St. beside Central Maine Medical Center. The topic was a comparison of bypass surgery versus stenting for heart patients.
"We were talking about angina and this man raised his hand and said, 'I'm having it right now,'" Phillips said. "I said, 'Are you kidding?'
"And he said, 'No.'"
That's when Phillips got serious.
"I said to one of the nurses, 'Could you get a wheelchair and take him over to the emergency room?'" Phillips said.
There wasn't time, though. The man collapsed and Phillips ran to his side.
"In the meantime, he had completely arrested," the doctor said. "He had no pulse. He wasn't breathing. We started CPR and everybody's standing around."
Three cardiac rehab nurses — Brenda Robitaille, Nicola Adams and Heidi Langois — were there, too.
"It wasn't just me," Phillips said. "If I had been alone, it would have been terrible."
One of the nurses brought in an automated external defibrillator, a portable electronic device that diagnoses a sudden, life-threatening heart problem and shocks the heart back into rhythm.
"The AED saved his life," Phillips said.
"Then, (paramedics) came in the door," he said. "They started an IV. They gave him an EKG and took the patient over to the emergency room."
Later, Phillips checked in on the man.
"I went over to the emergency room, and he was sitting up in the bed, talking with his wife and waiting for test results," the doctor said. Central Maine Medical Center declined to identify the patient, citing confidentiality laws.
But before Phillips checked on the man, he had a lecture to finish.
"After we had taken a breather, everybody wanted to continue on with the talk," he said. "It was a pretty impressive event. I think the people there will remember the lecture for that."
Phillips hopes the attendees will remember the importance of rapid response to heart problems.
Source: http://www.sunjournal.com/city/story/1052780
You may not save someone's life during a living trust seminar. So you won't make the national news like this story. Yet you can help save family's financial lives with a timely and informative community seminar.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Seminar Marketing: Don't Let a Heart Attack Stop Your Seminar!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Seminar Marketing: Don't Let a Heart Attack Stop Your Seminar!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 917-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 917-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-29 21:25:37
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2011-06-29 21:25:37
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-30 04:25:37
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2011-06-30 04:25:37
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 917
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 917
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/917-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/917-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 921
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 921
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-29 21:30:45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2011-06-29 21:30:45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-30 04:30:45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2011-06-30 04:30:45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking.
Yet this story pushes things to an extreme. Thankfully the story has a happy ending.
LEWISTON — Dr. William Phillips figured he was being kidded when a lecture on coronary heart disease was interrupted by a man complaining of chest pain.
A moment later, the cardiologist and nearby nurses saved the man's life.
"I can't tell you how I was hoping that guy was going to open his eyes, because, I thought, nothing could be worse if he dies right here," Phillips said Tuesday.
As Phillips and the nurses began CPR, more than 100 people, many with histories of heart problems, watched.
"What I'm hoping is that they got the lesson about calling 911," he said. "They got to see firsthand the importance of immediate response."
The lecture had begun in the usual way.
But before Phillips checked on the man, he had a lecture to finish.
"After we had taken a breather, everybody wanted to continue on with the talk," he said. "It was a pretty impressive event. I think the people there will remember the lecture for that."
Phillips hopes the attendees will remember the importance of rapid response to heart problems.
Source: http://www.sunjournal.com/city/story/1052780
You may not save someone's life during a living trust seminar. So you won't make the national news like this story. Yet you can help save family's financial lives with a timely and informative community seminar.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking.
Yet this story pushes things to an extreme. Thankfully the story has a happy ending.
LEWISTON — Dr. William Phillips figured he was being kidded when a lecture on coronary heart disease was interrupted by a man complaining of chest pain.
A moment later, the cardiologist and nearby nurses saved the man's life.
"I can't tell you how I was hoping that guy was going to open his eyes, because, I thought, nothing could be worse if he dies right here," Phillips said Tuesday.
As Phillips and the nurses began CPR, more than 100 people, many with histories of heart problems, watched.
"What I'm hoping is that they got the lesson about calling 911," he said. "They got to see firsthand the importance of immediate response."
The lecture had begun in the usual way.
But before Phillips checked on the man, he had a lecture to finish.
"After we had taken a breather, everybody wanted to continue on with the talk," he said. "It was a pretty impressive event. I think the people there will remember the lecture for that."
Phillips hopes the attendees will remember the importance of rapid response to heart problems.
Source: http://www.sunjournal.com/city/story/1052780
You may not save someone's life during a living trust seminar. So you won't make the national news like this story. Yet you can help save family's financial lives with a timely and informative community seminar.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Seminar Marketing: Don't Let a Heart Attack Stop Your Seminar!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Seminar Marketing: Don't Let a Heart Attack Stop Your Seminar!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 917-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 917-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-29 21:30:45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2011-06-29 21:30:45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-30 04:30:45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2011-06-30 04:30:45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 917
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 917
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/917-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/917-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 922
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 922
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-29 21:34:42
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2011-06-29 21:34:42
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-30 04:34:42
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2011-06-30 04:34:42
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking.
Yet this story pushes things to an extreme when a man had a heart attack during a lecture on heart disease. Thankfully the story has a happy ending.
LEWISTON — Dr. William Phillips figured he was being kidded when a lecture on coronary heart disease was interrupted by a man complaining of chest pain.
A moment later, the cardiologist and nearby nurses saved the man's life.
"I can't tell you how I was hoping that guy was going to open his eyes, because, I thought, nothing could be worse if he dies right here," Phillips said Tuesday.
As Phillips and the nurses began CPR, more than 100 people, many with histories of heart problems, watched.
"What I'm hoping is that they got the lesson about calling 911," he said. "They got to see firsthand the importance of immediate response."
The lecture had begun in the usual way.
But before Phillips checked on the man, he had a lecture to finish.
"After we had taken a breather, everybody wanted to continue on with the talk," he said. "It was a pretty impressive event. I think the people there will remember the lecture for that."
Phillips hopes the attendees will remember the importance of rapid response to heart problems.
Source: http://www.sunjournal.com/city/story/1052780
You may not save someone's life during a living trust seminar. So you won't make the national news like this story. Yet you can help save family's financial lives with a timely and informative community seminar.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking.
Yet this story pushes things to an extreme when a man had a heart attack during a lecture on heart disease. Thankfully the story has a happy ending.
LEWISTON — Dr. William Phillips figured he was being kidded when a lecture on coronary heart disease was interrupted by a man complaining of chest pain.
A moment later, the cardiologist and nearby nurses saved the man's life.
"I can't tell you how I was hoping that guy was going to open his eyes, because, I thought, nothing could be worse if he dies right here," Phillips said Tuesday.
As Phillips and the nurses began CPR, more than 100 people, many with histories of heart problems, watched.
"What I'm hoping is that they got the lesson about calling 911," he said. "They got to see firsthand the importance of immediate response."
The lecture had begun in the usual way.
But before Phillips checked on the man, he had a lecture to finish.
"After we had taken a breather, everybody wanted to continue on with the talk," he said. "It was a pretty impressive event. I think the people there will remember the lecture for that."
Phillips hopes the attendees will remember the importance of rapid response to heart problems.
Source: http://www.sunjournal.com/city/story/1052780
You may not save someone's life during a living trust seminar. So you won't make the national news like this story. Yet you can help save family's financial lives with a timely and informative community seminar.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Seminar Marketing: Don't Let a Heart Attack Stop Your Seminar!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Seminar Marketing: Don't Let a Heart Attack Stop Your Seminar!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking. Yet this story pushes things to an extreme when a man had a heart attack during a lecture on heart disease.
Yet this story pushes things to an extreme.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking. Yet this story pushes things to an extreme when a man had a heart attack during a lecture on heart disease.
Yet this story pushes things to an extreme.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 917-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 917-revision-4
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-29 21:34:42
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2011-06-29 21:34:42
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-30 04:34:42
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2011-06-30 04:34:42
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 917
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 917
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/917-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/917-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 923
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-29 21:47:29
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2011-06-29 21:47:29
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-30 04:47:29
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2011-06-30 04:47:29
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking.
Yet this story pushes things to an extreme when a man had a heart attack during a lecture on heart disease. Thankfully the story has a happy ending.
LEWISTON — Dr. William Phillips figured he was being kidded when a lecture on coronary heart disease was interrupted by a man complaining of chest pain.
A moment later, the cardiologist and nearby nurses saved the man's life.
"I can't tell you how I was hoping that guy was going to open his eyes, because, I thought, nothing could be worse if he dies right here," Phillips said Tuesday.
As Phillips and the nurses began CPR, m"In the meantime, he had completely arrested," the doctor said. "He had no pulse. He wasn't breathing. We started CPR and everybody's standing around."
Three cardiac rehab nurses — Brenda Robitaille, Nicola Adams and Heidi Langois — were there, too.
"It wasn't just me," Phillips said. "If I had been alone, it would have been terrible."
One of the nurses brought in an automated external defibrillator, a portable electronic device that diagnoses a sudden, life-threatening heart problem and shocks the heart back into rhythm.
"The AED saved his life," Phillips said.
"Then, (paramedics) came in the door," he said. "They started an IV. They gave him an EKG and took the patient over to the emergency room."
Later, Phillips checked in on the man.
"I went over to the emergency room, and he was sitting up in the bed, talking with his wife and waiting for test results," the doctor said. Central Maine Medical Center declined to identify the patient, citing confidentiality laws.
But before Phillips checked on the man, he had a lecture to finish.
"After we had taken a breather, everybody wanted to continue on with the talk," he said. "It was a pretty impressive event. I think the people there will remember the lecture for that."
Phillips hopes the attendees will remember the importance of rapid response to heart problems.
Source: http://www.sunjournal.com/city/story/1052780
You may not save someone's life during a living trust seminar. So you won't make the national news like this story. Yet you can help save family's financial lives with a timely and informative community seminar.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking.
Yet this story pushes things to an extreme when a man had a heart attack during a lecture on heart disease. Thankfully the story has a happy ending.
LEWISTON — Dr. William Phillips figured he was being kidded when a lecture on coronary heart disease was interrupted by a man complaining of chest pain.
A moment later, the cardiologist and nearby nurses saved the man's life.
"I can't tell you how I was hoping that guy was going to open his eyes, because, I thought, nothing could be worse if he dies right here," Phillips said Tuesday.
As Phillips and the nurses began CPR, m"In the meantime, he had completely arrested," the doctor said. "He had no pulse. He wasn't breathing. We started CPR and everybody's standing around."
Three cardiac rehab nurses — Brenda Robitaille, Nicola Adams and Heidi Langois — were there, too.
"It wasn't just me," Phillips said. "If I had been alone, it would have been terrible."
One of the nurses brought in an automated external defibrillator, a portable electronic device that diagnoses a sudden, life-threatening heart problem and shocks the heart back into rhythm.
"The AED saved his life," Phillips said.
"Then, (paramedics) came in the door," he said. "They started an IV. They gave him an EKG and took the patient over to the emergency room."
Later, Phillips checked in on the man.
"I went over to the emergency room, and he was sitting up in the bed, talking with his wife and waiting for test results," the doctor said. Central Maine Medical Center declined to identify the patient, citing confidentiality laws.
But before Phillips checked on the man, he had a lecture to finish.
"After we had taken a breather, everybody wanted to continue on with the talk," he said. "It was a pretty impressive event. I think the people there will remember the lecture for that."
Phillips hopes the attendees will remember the importance of rapid response to heart problems.
Source: http://www.sunjournal.com/city/story/1052780
You may not save someone's life during a living trust seminar. So you won't make the national news like this story. Yet you can help save family's financial lives with a timely and informative community seminar.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Seminar Marketing: Don't Let a Heart Attack Stop Your Seminar!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Seminar Marketing: Don't Let a Heart Attack Stop Your Seminar!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking. Yet this story pushes things to an extreme when a man had a heart attack during a lecture on heart disease.
Yet this story pushes things to an extreme.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking. Yet this story pushes things to an extreme when a man had a heart attack during a lecture on heart disease.
Yet this story pushes things to an extreme.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 917-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 917-autosave
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-29 21:47:29
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2011-06-29 21:47:29
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/917-autosave/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/917-autosave/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2011-06-29 21:37:38
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking.
Yet this story pushes things to an extreme when a man had a heart attack during a lecture on heart disease. Thankfully the story has a happy ending.
LEWISTON — Dr. William Phillips figured he was being kidded when a lecture on coronary heart disease was interrupted by a man complaining of chest pain.
A moment later, the cardiologist and nearby nurses saved the man's life.
"I can't tell you how I was hoping that guy was going to open his eyes, because, I thought, nothing could be worse if he dies right here," Phillips said Tuesday.
As Phillips and the nurses began CPR, more than 100 people, many with histories of heart problems, watched.
"What I'm hoping is that they got the lesson about calling 911," he said. "They got to see firsthand the importance of immediate response."
The lecture had begun in the usual way.
"In the meantime, he had completely arrested," the doctor said. "He had no pulse. He wasn't breathing. We started CPR and everybody's standing around."
Three cardiac rehab nurses — Brenda Robitaille, Nicola Adams and Heidi Langois — were there, too.
"It wasn't just me," Phillips said. "If I had been alone, it would have been terrible."
One of the nurses brought in an automated external defibrillator, a portable electronic device that diagnoses a sudden, life-threatening heart problem and shocks the heart back into rhythm.
"The AED saved his life," Phillips said.
"Then, (paramedics) came in the door," he said. "They started an IV. They gave him an EKG and took the patient over to the emergency room."
Later, Phillips checked in on the man.
"I went over to the emergency room, and he was sitting up in the bed, talking with his wife and waiting for test results," the doctor said. Central Maine Medical Center declined to identify the patient, citing confidentiality laws.
But before Phillips checked on the man, he had a lecture to finish.
"After we had taken a breather, everybody wanted to continue on with the talk," he said. "It was a pretty impressive event. I think the people there will remember the lecture for that."
Phillips hopes the attendees will remember the importance of rapid response to heart problems.
Source: http://www.sunjournal.com/city/story/1052780
You may not save someone's life during a living trust seminar. So you won't make the national news like this story. Yet you can help save family's financial lives with a timely and informative community seminar.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking.
Yet this story pushes things to an extreme when a man had a heart attack during a lecture on heart disease. Thankfully the story has a happy ending.
LEWISTON — Dr. William Phillips figured he was being kidded when a lecture on coronary heart disease was interrupted by a man complaining of chest pain.
A moment later, the cardiologist and nearby nurses saved the man's life.
"I can't tell you how I was hoping that guy was going to open his eyes, because, I thought, nothing could be worse if he dies right here," Phillips said Tuesday.
As Phillips and the nurses began CPR, more than 100 people, many with histories of heart problems, watched.
"What I'm hoping is that they got the lesson about calling 911," he said. "They got to see firsthand the importance of immediate response."
The lecture had begun in the usual way.
"In the meantime, he had completely arrested," the doctor said. "He had no pulse. He wasn't breathing. We started CPR and everybody's standing around."
Three cardiac rehab nurses — Brenda Robitaille, Nicola Adams and Heidi Langois — were there, too.
"It wasn't just me," Phillips said. "If I had been alone, it would have been terrible."
One of the nurses brought in an automated external defibrillator, a portable electronic device that diagnoses a sudden, life-threatening heart problem and shocks the heart back into rhythm.
"The AED saved his life," Phillips said.
"Then, (paramedics) came in the door," he said. "They started an IV. They gave him an EKG and took the patient over to the emergency room."
Later, Phillips checked in on the man.
"I went over to the emergency room, and he was sitting up in the bed, talking with his wife and waiting for test results," the doctor said. Central Maine Medical Center declined to identify the patient, citing confidentiality laws.
But before Phillips checked on the man, he had a lecture to finish.
"After we had taken a breather, everybody wanted to continue on with the talk," he said. "It was a pretty impressive event. I think the people there will remember the lecture for that."
Phillips hopes the attendees will remember the importance of rapid response to heart problems.
Source: http://www.sunjournal.com/city/story/1052780
You may not save someone's life during a living trust seminar. So you won't make the national news like this story. Yet you can help save family's financial lives with a timely and informative community seminar.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Seminar Marketing: Don't Let a Heart Attack Stop Your Seminar!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Seminar Marketing: Don't Let a Heart Attack Stop Your Seminar!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking. Yet this story pushes things to an extreme when a man had a heart attack during a lecture on heart disease.
Yet this story pushes things to an extreme.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Audience interaction keeps your living trust seminars interesting and lively. You never want to be the only one doing ali the talking. Yet this story pushes things to an extreme when a man had a heart attack during a lecture on heart disease.
Yet this story pushes things to an extreme.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/917-revision-5/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/917-revision-5/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Los Angeles Time s reported today that "Zsa Zsa Gabor's husband scored a legal victory on Wednesday when a Los Angeles judge approved an agreement naming him the ailing actress' conservator for the next six months."
Zsa Zsa's daughter filed a lawsuit in March seeking to put her mother in a conservatorship. The daughter lost and so did her mother because the process was in the court system and in the public eye.
Attorneys announced the settlement between Gabor's ninth husband, Frederic von Anhalt, and her only child, daughter Constance Francesca Hilton, who in March had asked to be named her 95-year-old mother's conservator after saying she didn't believe Gabor was being properly cared for medically or financially.
When she filed the suit seeking conservatorship, Hilton contended Von Anhalt was keeping her mother "increasingly isolated" and "heavily sedated."
In addition to being public, conservatorships are also expensive and time consuming. Attorneys and accounts need to be hire and paid to provide oversight. The process is set up to protect Zsa Zsa and the court will not trust her husband of 25-years to look out for her best interest.
Von Anhalt, 68, will continue to make medical decisions for his wife of 25 years, but several attorneys will provide financial oversight and Hilton will be allowed weekly visits. Superior Court Judge Reva Goetz approved the conditions and set another hearing for January to evaluate how the agreement is working. http://latimesblogs.latimes.com/lanow/2012/07/zsa-zsa-gabor-husband-conservatorship-.html
A living trust would have avoided conservatorship and kept this sad tale out of the public eye. Let's hope Zsa Zsa gets a living trust set up so she can avoid a probate when she dies. This will keep her financial situation private and help her minimize estate taxes.
Financial advisors and estate planning attorneys can help couples like Frederic and Zsa Zsa set up living trusts and avoid this embarrassment and expense. For information on using estate planning seminars to build your practice, go to MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Los Angeles Time s reported today that "Zsa Zsa Gabor's husband scored a legal victory on Wednesday when a Los Angeles judge approved an agreement naming him the ailing actress' conservator for the next six months."
Zsa Zsa's daughter filed a lawsuit in March seeking to put her mother in a conservatorship. The daughter lost and so did her mother because the process was in the court system and in the public eye.
Attorneys announced the settlement between Gabor's ninth husband, Frederic von Anhalt, and her only child, daughter Constance Francesca Hilton, who in March had asked to be named her 95-year-old mother's conservator after saying she didn't believe Gabor was being properly cared for medically or financially.
When she filed the suit seeking conservatorship, Hilton contended Von Anhalt was keeping her mother "increasingly isolated" and "heavily sedated."
In addition to being public, conservatorships are also expensive and time consuming. Attorneys and accounts need to be hire and paid to provide oversight. The process is set up to protect Zsa Zsa and the court will not trust her husband of 25-years to look out for her best interest.
Von Anhalt, 68, will continue to make medical decisions for his wife of 25 years, but several attorneys will provide financial oversight and Hilton will be allowed weekly visits. Superior Court Judge Reva Goetz approved the conditions and set another hearing for January to evaluate how the agreement is working. http://latimesblogs.latimes.com/lanow/2012/07/zsa-zsa-gabor-husband-conservatorship-.html
A living trust would have avoided conservatorship and kept this sad tale out of the public eye. Let's hope Zsa Zsa gets a living trust set up so she can avoid a probate when she dies. This will keep her financial situation private and help her minimize estate taxes.
Financial advisors and estate planning attorneys can help couples like Frederic and Zsa Zsa set up living trusts and avoid this embarrassment and expense. For information on using estate planning seminars to build your practice, go to MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Zsa Zsa Gabor Never Said, "Dahling Husband, Let's Get a Living Trust"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Zsa Zsa Gabor Never Said, "Dahling Husband, Let's Get a Living Trust"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: A living trust would have avoided conservatorship and kept this sad tale out of the public eye. Let's hope Zsa Zsa gets a living trust set up so she can avoid a probate when she dies. This will keep her financial situation private and help her minimize estate taxes.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: A living trust would have avoided conservatorship and kept this sad tale out of the public eye. Let's hope Zsa Zsa gets a living trust set up so she can avoid a probate when she dies. This will keep her financial situation private and help her minimize estate taxes.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=929
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=929
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: [caption id="attachment_905" align="alignright" width="197" caption="Teddy Roosevelt Enjoying a Good Laugh"]“THE WELFARE OF EACH OF US IS DEPENDENT FUNDAMENTALLY ON THE WELFARE OF ALL OF US” – From a speech Teddy Roosevelt gave at the New York State Fair in Syracuse, N.Y., on Sept. 7, 1903.
Over a hundred years ago, John Kennedy observed that "copyrighting is salesmanship in print." Every ad is made up of copyrighting (the words for the headline, body, and offer) and graphic design (font type and size, pictures, colors, etc.)
I'll leave the aesthetic critiques of the makeover to others. Let's ask one question: Did this quote really help sell President Obama's product? The product can be ObamaCare, Banker Bailout, Automaker Bailout, Green Energy Subsidies, etc.
Or was the quote taken out of context which reversed its meaning?
Thankfully, author Susan Shelley took the time to read Teddy Roosevelt's entire speech. Her conclusion was that a lot more of the speech should have been printed on the carpet. I suggest that would make the "advertisement" less effective. Perhaps he should have quoted a former president who did so much to expand socialized medicine for people over 65 years old: President George W. Bush. Perhaps not.
Let's take a look at some of Susan Shelly's article and see how the quote was taken out of context. I bolded a few choice quotes which might be used for future White House renovation projects.
A reasonable person might interpret this selection as an indication of President Obama’s core belief that the president’s job is to “spread the wealth around.” He is unafraid and undaunted, the quotations suggest, in his quest to bring moral justice to “the people.”
Unfortunately, a rug has only so much space, and President Obama had to cut somewhere. Therefore, as a service to you, the reader, America Wants To Know looked up Theodore Roosevelt’s speech at the New York State Fair in Syracuse, New York, on September 7, 1903, and we now present some of the quotations from that particular speech that are not on the rug:
“The failure in public and in private life thus to treat each man on his own merits, the recognition of this government as being either for the poor as such or for the rich as such, would prove fatal to our Republic, as such failure and such recognition have always proved fatal in the past to other republics. A healthy republican government must rest upon individuals, not upon classes or sections.”
“Class government, whether it be the government of a plutocracy or the government of a mob, is equally incompatible with the principles established in the days of Washington and perpetuated in the days of Lincoln.”
“Again and again in the republics of ancient Greece, in those of mediaeval Italy and mediaeval Flanders, this tendency was shown, and wherever the tendency became a habit it invariably and inevitably proved fatal to the state. In the final result it mattered not one whit whether the movement was in favor of one class or of another. The outcome was equally fatal, whether the country fell into the hands of a wealthy oligarchy which exploited the poor or whether it fell under the domination of a turbulent mob which plundered the rich. ”
“The reason why our future is assured lies in the fact that our people are genuinely skilled in and fitted for self-government and therefore will spurn the leadership of those who seek to excite this ferocious and foolish class antagonism.”
“Fundamentally, the unscrupulous rich man who seeks to exploit and oppress those who are less well off is in spirit not opposed to, but identical with, the unscrupulous poor man who desires to plunder and oppress those who are better off.”
“There is no worse enemy of the wage-worker than the man who condones mob violence in any shape or who preaches class hatred; and surely the slightest acquaintance with our industrial history should teach even the most short-sighted that the times of most suffering for our people as a whole, the times when business is stagnant, and capital suffers from shrinkage and gets no return from its investments, are exactly the times of hardship, and want, and grim disaster among the poor.”
“Legislation to be permanently good for any class must also be good for the Nation as a whole, and legislation which does injustice to any class is certain to work harm to the Nation. Take our currency system for example. This Nation is on a gold basis. The treasury of the public is in excellent condition. Never before has the per capita of circulation been as large as it is this day; and this circulation, moreover, is of money every dollar of which is at par with gold. Now, our having this sound currency system is of benefit to banks, of course, but it is of infinitely more benefit to the people as a whole, because of the healthy effect on business conditions.”
Yes, Theodore Roosevelt was crediting the excellent condition of the public treasury to its adherence to the gold standard. Sound money is good for the American people because it’s good for business conditions. That’s what TR said.
That’s not on the rug.
When “business is stagnant and capital suffers from shrinkage and gets no return from its investments,” it means “grim disaster” for the poor.
That’s not on the rug, either.
Turns out TR had no use for the man who “preaches class hatred” and believed the nation would always “spurn the leadership” of those who stir up “foolish class antagonism.”
TR said the rich and poor must be judged as individuals and treated equally under the law. He warned that republics were just as much at risk from those who “plundered the rich” as from those who “exploited the poor.”
You can bet that’s not on the rug.
It turns out that Teddy Roosevelt’s state fair speech, on Labor Day, was not a call to “spread the wealth around,” but a warning that attacks on the rich would bring down the whole country.
In 1903, anarchy was a spreading and violent threat to governments around the world. It was the terrorism of its day. It wasn’t what it is now, just a bunch of black-clad college students clattering their spray-paint cans outside the G-7 meeting.
In Syracuse that day, TR was trying to explain to the working people at a Labor Day event that their fates were inextricably tied to the freedom and success of wealthy capitalists.
That’s what he meant when he said, “The welfare of each of us is dependent fundamentally on the welfare of all of us.”
Do you think it’s too late to return the rug?
Source: http://www.extremeink.com/awtk/2010/08/not-on-the-rug.html
I say Teddy Roosevelt is having a good laugh right now.
The moral to the story is to carefully check all the facts in any advertisement, flyer, brochure, website, or blog post. It could be worse: You have to live with a Yellow Page ad for entire year. President Obama can fix this mistake as soon as they can manufacture some new carpet.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: [caption id="attachment_905" align="alignright" width="197" caption="Teddy Roosevelt Enjoying a Good Laugh"]“THE WELFARE OF EACH OF US IS DEPENDENT FUNDAMENTALLY ON THE WELFARE OF ALL OF US” – From a speech Teddy Roosevelt gave at the New York State Fair in Syracuse, N.Y., on Sept. 7, 1903.
Over a hundred years ago, John Kennedy observed that "copyrighting is salesmanship in print." Every ad is made up of copyrighting (the words for the headline, body, and offer) and graphic design (font type and size, pictures, colors, etc.)
I'll leave the aesthetic critiques of the makeover to others. Let's ask one question: Did this quote really help sell President Obama's product? The product can be ObamaCare, Banker Bailout, Automaker Bailout, Green Energy Subsidies, etc.
Or was the quote taken out of context which reversed its meaning?
Thankfully, author Susan Shelley took the time to read Teddy Roosevelt's entire speech. Her conclusion was that a lot more of the speech should have been printed on the carpet. I suggest that would make the "advertisement" less effective. Perhaps he should have quoted a former president who did so much to expand socialized medicine for people over 65 years old: President George W. Bush. Perhaps not.
Let's take a look at some of Susan Shelly's article and see how the quote was taken out of context. I bolded a few choice quotes which might be used for future White House renovation projects.
A reasonable person might interpret this selection as an indication of President Obama’s core belief that the president’s job is to “spread the wealth around.” He is unafraid and undaunted, the quotations suggest, in his quest to bring moral justice to “the people.”
Unfortunately, a rug has only so much space, and President Obama had to cut somewhere. Therefore, as a service to you, the reader, America Wants To Know looked up Theodore Roosevelt’s speech at the New York State Fair in Syracuse, New York, on September 7, 1903, and we now present some of the quotations from that particular speech that are not on the rug:
“The failure in public and in private life thus to treat each man on his own merits, the recognition of this government as being either for the poor as such or for the rich as such, would prove fatal to our Republic, as such failure and such recognition have always proved fatal in the past to other republics. A healthy republican government must rest upon individuals, not upon classes or sections.”
“Class government, whether it be the government of a plutocracy or the government of a mob, is equally incompatible with the principles established in the days of Washington and perpetuated in the days of Lincoln.”
“Again and again in the republics of ancient Greece, in those of mediaeval Italy and mediaeval Flanders, this tendency was shown, and wherever the tendency became a habit it invariably and inevitably proved fatal to the state. In the final result it mattered not one whit whether the movement was in favor of one class or of another. The outcome was equally fatal, whether the country fell into the hands of a wealthy oligarchy which exploited the poor or whether it fell under the domination of a turbulent mob which plundered the rich. ”
“The reason why our future is assured lies in the fact that our people are genuinely skilled in and fitted for self-government and therefore will spurn the leadership of those who seek to excite this ferocious and foolish class antagonism.”
“Fundamentally, the unscrupulous rich man who seeks to exploit and oppress those who are less well off is in spirit not opposed to, but identical with, the unscrupulous poor man who desires to plunder and oppress those who are better off.”
“There is no worse enemy of the wage-worker than the man who condones mob violence in any shape or who preaches class hatred; and surely the slightest acquaintance with our industrial history should teach even the most short-sighted that the times of most suffering for our people as a whole, the times when business is stagnant, and capital suffers from shrinkage and gets no return from its investments, are exactly the times of hardship, and want, and grim disaster among the poor.”
“Legislation to be permanently good for any class must also be good for the Nation as a whole, and legislation which does injustice to any class is certain to work harm to the Nation. Take our currency system for example. This Nation is on a gold basis. The treasury of the public is in excellent condition. Never before has the per capita of circulation been as large as it is this day; and this circulation, moreover, is of money every dollar of which is at par with gold. Now, our having this sound currency system is of benefit to banks, of course, but it is of infinitely more benefit to the people as a whole, because of the healthy effect on business conditions.”
Yes, Theodore Roosevelt was crediting the excellent condition of the public treasury to its adherence to the gold standard. Sound money is good for the American people because it’s good for business conditions. That’s what TR said.
That’s not on the rug.
When “business is stagnant and capital suffers from shrinkage and gets no return from its investments,” it means “grim disaster” for the poor.
That’s not on the rug, either.
Turns out TR had no use for the man who “preaches class hatred” and believed the nation would always “spurn the leadership” of those who stir up “foolish class antagonism.”
TR said the rich and poor must be judged as individuals and treated equally under the law. He warned that republics were just as much at risk from those who “plundered the rich” as from those who “exploited the poor.”
You can bet that’s not on the rug.
It turns out that Teddy Roosevelt’s state fair speech, on Labor Day, was not a call to “spread the wealth around,” but a warning that attacks on the rich would bring down the whole country.
In 1903, anarchy was a spreading and violent threat to governments around the world. It was the terrorism of its day. It wasn’t what it is now, just a bunch of black-clad college students clattering their spray-paint cans outside the G-7 meeting.
In Syracuse that day, TR was trying to explain to the working people at a Labor Day event that their fates were inextricably tied to the freedom and success of wealthy capitalists.
That’s what he meant when he said, “The welfare of each of us is dependent fundamentally on the welfare of all of us.”
Do you think it’s too late to return the rug?
Source: http://www.extremeink.com/awtk/2010/08/not-on-the-rug.html
I say Teddy Roosevelt is having a good laugh right now.
The moral to the story is to carefully check all the facts in any advertisement, flyer, brochure, website, or blog post. It could be worse: You have to live with a Yellow Page ad for entire year. President Obama can fix this mistake as soon as they can manufacture some new carpet.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Oval Office Carpet Copyrighting Misquote: Teddy Roosevelt
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Oval Office Carpet Copyrighting Misquote: Teddy Roosevelt
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: President Obama's recent renovation of the White House included a major misquote of President Teddy Roosevelt. He may have thought it would promote his message but it ended up hurting his credibility.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: President Obama's recent renovation of the White House included a major misquote of President Teddy Roosevelt. He may have thought it would promote his message but it ended up hurting his credibility.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/904-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/904-revision-3/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Contact form 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wpcf7_contact_form/contact-form-1/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/wpcf7_contact_form/contact-form-1/
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: The Los Angeles Times reported today that "Zsa Zsa Gabor's husband scored a legal victory on Wednesday when a Los Angeles judge approved an agreement naming him the ailing actress' conservator for the next six months."
Zsa Zsa's daughter filed a lawsuit in March seeking to put her mother in a conservatorship. The daughter lost and so did her mother because the process was in the court system and in the public eye.
Attorneys announced the settlement between Gabor's ninth husband, Frederic von Anhalt, and her only child, daughter Constance Francesca Hilton, who in March had asked to be named her 95-year-old mother's conservator after saying she didn't believe Gabor was being properly cared for medically or financially.
When she filed the suit seeking conservatorship, Hilton contended Von Anhalt was keeping her mother "increasingly isolated" and "heavily sedated."
In addition to being public, conservatorships are also expensive and time consuming. Attorneys and accounts need to be hire and paid to provide oversight. The process is set up to protect Zsa Zsa and the court will not trust her husband of 25-years to look out for her best interest.
Von Anhalt, 68, will continue to make medical decisions for his wife of 25 years, but several attorneys will provide financial oversight and Hilton will be allowed weekly visits. Superior Court Judge Reva Goetz approved the conditions and set another hearing for January to evaluate how the agreement is working.
A living trust would have avoided conservatorship and kept this sad tale out of the public eye. Let's hope Zsa Zsa gets a living trust set up so she can avoid a probate when she dies. This will keep her financial situation private and help her minimize estate taxes.
Financial advisors and estate planning attorneys can help couples like Frederic and Zsa Zsa to set up living trusts and avoid this embarrassment and expense. For information on usin
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: The Los Angeles Times reported today that "Zsa Zsa Gabor's husband scored a legal victory on Wednesday when a Los Angeles judge approved an agreement naming him the ailing actress' conservator for the next six months."
Zsa Zsa's daughter filed a lawsuit in March seeking to put her mother in a conservatorship. The daughter lost and so did her mother because the process was in the court system and in the public eye.
Attorneys announced the settlement between Gabor's ninth husband, Frederic von Anhalt, and her only child, daughter Constance Francesca Hilton, who in March had asked to be named her 95-year-old mother's conservator after saying she didn't believe Gabor was being properly cared for medically or financially.
When she filed the suit seeking conservatorship, Hilton contended Von Anhalt was keeping her mother "increasingly isolated" and "heavily sedated."
In addition to being public, conservatorships are also expensive and time consuming. Attorneys and accounts need to be hire and paid to provide oversight. The process is set up to protect Zsa Zsa and the court will not trust her husband of 25-years to look out for her best interest.
Von Anhalt, 68, will continue to make medical decisions for his wife of 25 years, but several attorneys will provide financial oversight and Hilton will be allowed weekly visits. Superior Court Judge Reva Goetz approved the conditions and set another hearing for January to evaluate how the agreement is working.
A living trust would have avoided conservatorship and kept this sad tale out of the public eye. Let's hope Zsa Zsa gets a living trust set up so she can avoid a probate when she dies. This will keep her financial situation private and help her minimize estate taxes.
Financial advisors and estate planning attorneys can help couples like Frederic and Zsa Zsa to set up living trusts and avoid this embarrassment and expense. For information on usin
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Zsa Zsa Gabor Never Said, "Dahling Husband, let's get a Living Trust"
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 929
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/929-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/929-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: The Los Angeles Times reported today that "Zsa Zsa Gabor's husband scored a legal victory on Wednesday when a Los Angeles judge approved an agreement naming him the ailing actress' conservator for the next six months."
Zsa Zsa's daughter filed a lawsuit in March seeking to put her mother in a conservatorship. The daughter lost and so did her mother because the process was in the court system and in the public eye.
Attorneys announced the settlement between Gabor's ninth husband, Frederic von Anhalt, and her only child, daughter Constance Francesca Hilton, who in March had asked to be named her 95-year-old mother's conservator after saying she didn't believe Gabor was being properly cared for medically or financially.
When she filed the suit seeking conservatorship, Hilton contended Von Anhalt was keeping her mother "increasingly isolated" and "heavily sedated."
In addition to being public, conservatorships are also expensive and time consuming. Attorneys and accounts need to be hire and paid to provide oversight. The process is set up to protect Zsa Zsa and the court will not trust her husband of 25-years to look out for her best interest.
Von Anhalt, 68, will continue to make medical decisions for his wife of 25 years, but several attorneys will provide financial oversight and Hilton will be allowed weekly visits. Superior Court Judge Reva Goetz approved the conditions and set another hearing for January to evaluate how the agreement is working.
A living trust would have avoided conservatorship and kept this sad tale out of the public eye. Let's hope Zsa Zsa gets a living trust set up so she can avoid a probate when she dies. This will keep her financial situation private and help her minimize estate taxes.
Financial advisors and estate planning attorneys can help couples like Frederic and Zsa Zsa to set up living trusts and avoid this embarrassment and expense. For information on using estate planning seminars to build your practice, go to MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: The Los Angeles Times reported today that "Zsa Zsa Gabor's husband scored a legal victory on Wednesday when a Los Angeles judge approved an agreement naming him the ailing actress' conservator for the next six months."
Zsa Zsa's daughter filed a lawsuit in March seeking to put her mother in a conservatorship. The daughter lost and so did her mother because the process was in the court system and in the public eye.
Attorneys announced the settlement between Gabor's ninth husband, Frederic von Anhalt, and her only child, daughter Constance Francesca Hilton, who in March had asked to be named her 95-year-old mother's conservator after saying she didn't believe Gabor was being properly cared for medically or financially.
When she filed the suit seeking conservatorship, Hilton contended Von Anhalt was keeping her mother "increasingly isolated" and "heavily sedated."
In addition to being public, conservatorships are also expensive and time consuming. Attorneys and accounts need to be hire and paid to provide oversight. The process is set up to protect Zsa Zsa and the court will not trust her husband of 25-years to look out for her best interest.
Von Anhalt, 68, will continue to make medical decisions for his wife of 25 years, but several attorneys will provide financial oversight and Hilton will be allowed weekly visits. Superior Court Judge Reva Goetz approved the conditions and set another hearing for January to evaluate how the agreement is working.
A living trust would have avoided conservatorship and kept this sad tale out of the public eye. Let's hope Zsa Zsa gets a living trust set up so she can avoid a probate when she dies. This will keep her financial situation private and help her minimize estate taxes.
Financial advisors and estate planning attorneys can help couples like Frederic and Zsa Zsa to set up living trusts and avoid this embarrassment and expense. For information on using estate planning seminars to build your practice, go to MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Zsa Zsa Gabor Never Said, "Dahling Husband, let's get a Living Trust"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Zsa Zsa Gabor Never Said, "Dahling Husband, let's get a Living Trust"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 929-revision-2
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-07-13 19:17:48
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 929
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 929
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/929-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/929-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 932
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: WEST HOLLYWOOD, CA - July 27, 2011: Prince Frederic von Anhalt talks to the press in front of the 44-foot billboard he purchased for $68,000 as a gift to his wife, Zsa Zsa Gabor, in celebration of their 25th wedding anniversary on August 14th. The billboard is on Sunset Boulevard in West Hollywood. (Katie Falkenberg / For The Times)
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: WEST HOLLYWOOD, CA - July 27, 2011: Prince Frederic von Anhalt talks to the press in front of the 44-foot billboard he purchased for $68,000 as a gift to his wife, Zsa Zsa Gabor, in celebration of their 25th wedding anniversary on August 14th. The billboard is on Sunset Boulevard in West Hollywood. (Katie Falkenberg / For The Times)
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: la-me-zsa-zsa
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: la-me-zsa-zsa
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: la-me-zsa-zsa
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-07-13 12:19:48
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 929
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 929
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/Zsa-Zsas-husband-anniversary-billboard.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/Zsa-Zsas-husband-anniversary-billboard.jpg
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: attachment
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: image/jpeg
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 933
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 933
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-07-13 12:22:01
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2012-07-13 12:22:01
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-07-13 19:22:01
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2012-07-13 19:22:01
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Attorneys announced the settlement between Gabor's ninth husband, Frederic von Anhalt, and her only child, daughter Constance Francesca Hilton, who in March had asked to be named her 95-year-old mother's conservator after saying she didn't believe Gabor was being properly cared for medically or financially.
When she filed the suit seeking conservatorship, Hilton contended Von Anhalt was keeping her mother "increasingly isolated" and "heavily sedated."
In addition to being public, conservatorships are also expensive and time consuming. Attorneys and accounts need to be hire and paid to provide oversight. The process is set up to protect Zsa Zsa and the court will not trust her husband of 25-years to look out for her best interest.
Von Anhalt, 68, will continue to make medical decisions for his wife of 25 years, but several attorneys will provide financial oversight and Hilton will be allowed weekly visits. Superior Court Judge Reva Goetz approved the conditions and set another hearing for January to evaluate how the agreement is working. http://latimesblogs.latimes.com/lanow/2012/07/zsa-zsa-gabor-husband-conservatorship-.html
A living trust would have avoided conservatorship and kept this sad tale out of the public eye. Let's hope Zsa Zsa gets a living trust set up so she can avoid a probate when she dies. This will keep her financial situation private and help her minimize estate taxes.
Financial advisors and estate planning attorneys can help couples like Frederic and Zsa Zsa to set up living trusts and avoid this embarrassment and expense. For information on using estate planning seminars to build your practice, go to MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Attorneys announced the settlement between Gabor's ninth husband, Frederic von Anhalt, and her only child, daughter Constance Francesca Hilton, who in March had asked to be named her 95-year-old mother's conservator after saying she didn't believe Gabor was being properly cared for medically or financially.
When she filed the suit seeking conservatorship, Hilton contended Von Anhalt was keeping her mother "increasingly isolated" and "heavily sedated."
In addition to being public, conservatorships are also expensive and time consuming. Attorneys and accounts need to be hire and paid to provide oversight. The process is set up to protect Zsa Zsa and the court will not trust her husband of 25-years to look out for her best interest.
Von Anhalt, 68, will continue to make medical decisions for his wife of 25 years, but several attorneys will provide financial oversight and Hilton will be allowed weekly visits. Superior Court Judge Reva Goetz approved the conditions and set another hearing for January to evaluate how the agreement is working. http://latimesblogs.latimes.com/lanow/2012/07/zsa-zsa-gabor-husband-conservatorship-.html
A living trust would have avoided conservatorship and kept this sad tale out of the public eye. Let's hope Zsa Zsa gets a living trust set up so she can avoid a probate when she dies. This will keep her financial situation private and help her minimize estate taxes.
Financial advisors and estate planning attorneys can help couples like Frederic and Zsa Zsa to set up living trusts and avoid this embarrassment and expense. For information on using estate planning seminars to build your practice, go to MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Zsa Zsa Gabor Never Said, "Dahling Husband, Let's get a Living Trust"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Zsa Zsa Gabor Never Said, "Dahling Husband, Let's get a Living Trust"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 929-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 929-revision-3
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-07-13 12:22:01
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-07-13 19:22:01
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 929
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/929-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/929-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 934
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-07-13 12:26:44
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Los Angeles Time s reported today that "Zsa Zsa Gabor's husband scored a legal victory on Wednesday when a Los Angeles judge approved an agreement naming him the ailing actress' conservator for the next six months."
Zsa Zsa's daughter filed a lawsuit in March seeking to put her mother in a conservatorship. The daughter lost and so did her mother because the process was in the court system and in the public eye.
Attorneys announced the settlement between Gabor's ninth husband, Frederic von Anhalt, and her only child, daughter Constance Francesca Hilton, who in March had asked to be named her 95-year-old mother's conservator after saying she didn't believe Gabor was being properly cared for medically or financially.
When she filed the suit seeking conservatorship, Hilton contended Von Anhalt was keeping her mother "increasingly isolated" and "heavily sedated."
In addition to being public, conservatorships are also expensive and time consuming. Attorneys and accounts need to be hire and paid to provide oversight. The process is set up to protect Zsa Zsa and the court will not trust her husband of 25-years to look out for her best interest.
Von Anhalt, 68, will continue to make medical decisions for his wife of 25 years, but several attorneys will provide financial oversight and Hilton will be allowed weekly visits. Superior Court Judge Reva Goetz approved the conditions and set another hearing for January to evaluate how the agreement is working. http://latimesblogs.latimes.com/lanow/2012/07/zsa-zsa-gabor-husband-conservatorship-.html
A living trust would have avoided conservatorship and kept this sad tale out of the public eye. Let's hope Zsa Zsa gets a living trust set up so she can avoid a probate when she dies. This will keep her financial situation private and help her minimize estate taxes.
Financial advisors and estate planning attorneys can help couples like Frederic and Zsa Zsa set up living trusts and avoid this embarrassment and expense. For information on using estate planning seminars to build your practice, go to MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Los Angeles Time s reported today that "Zsa Zsa Gabor's husband scored a legal victory on Wednesday when a Los Angeles judge approved an agreement naming him the ailing actress' conservator for the next six months."
Zsa Zsa's daughter filed a lawsuit in March seeking to put her mother in a conservatorship. The daughter lost and so did her mother because the process was in the court system and in the public eye.
Attorneys announced the settlement between Gabor's ninth husband, Frederic von Anhalt, and her only child, daughter Constance Francesca Hilton, who in March had asked to be named her 95-year-old mother's conservator after saying she didn't believe Gabor was being properly cared for medically or financially.
When she filed the suit seeking conservatorship, Hilton contended Von Anhalt was keeping her mother "increasingly isolated" and "heavily sedated."
In addition to being public, conservatorships are also expensive and time consuming. Attorneys and accounts need to be hire and paid to provide oversight. The process is set up to protect Zsa Zsa and the court will not trust her husband of 25-years to look out for her best interest.
Von Anhalt, 68, will continue to make medical decisions for his wife of 25 years, but several attorneys will provide financial oversight and Hilton will be allowed weekly visits. Superior Court Judge Reva Goetz approved the conditions and set another hearing for January to evaluate how the agreement is working. http://latimesblogs.latimes.com/lanow/2012/07/zsa-zsa-gabor-husband-conservatorship-.html
A living trust would have avoided conservatorship and kept this sad tale out of the public eye. Let's hope Zsa Zsa gets a living trust set up so she can avoid a probate when she dies. This will keep her financial situation private and help her minimize estate taxes.
Financial advisors and estate planning attorneys can help couples like Frederic and Zsa Zsa set up living trusts and avoid this embarrassment and expense. For information on using estate planning seminars to build your practice, go to MyLivingTrustSeminar.com .
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Zsa Zsa Gabor Never Said, "Dahling Husband, Let's et a Living Trust"
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Zsa Zsa Gabor Never Said, "Dahling Husband, Let's et a Living Trust"
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: A living trust would have avoided conservatorship and kept this sad tale out of the public eye. Let's hope Zsa Zsa gets a living trust set up so she can avoid a probate when she dies. This will keep her financial situation private and help her minimize estate taxes.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: A living trust would have avoided conservatorship and kept this sad tale out of the public eye. Let's hope Zsa Zsa gets a living trust set up so she can avoid a probate when she dies. This will keep her financial situation private and help her minimize estate taxes.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-07-13 12:26:44
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/929-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/929-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-08-24 19:46:28
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Ever wondered who will inherit your digital library? Unless the laws are changed, your MP3s and e-books may go to the grave with you.
Today MarketWatch reported on this problem and offered a solution: A trust for your digital library.
Many of us will accumulate vast libraries of digital books and music over the course of our lifetimes. But when we die, our collections of words and music may expire with us.
Someone who owned 10,000 hardcover books and the same number of vinyl records could bequeath them to descendants, but legal experts say passing on iTunes and Kindle libraries would be much more complicated.
And one’s heirs stand to lose huge sums of money. “I find it hard to imagine a situation where a family would be OK with losing a collection of 10,000 books and songs,” says Evan Carroll, co-author of “Your Digital Afterlife.” “Legally dividing one account among several heirs would also be extremely difficult.”
Part of the problem is that with digital content, one doesn’t have the same rights as with print books and CDs. Customers own a license to use the digital files—but they don’t actually own them.
Imagine all those 99 cent Kindle novels being vaporized in the Cloud when you die. Let's look at a solution:
There are still few legal and practical ways to inherit e-books and digital music, experts say. And at least one lawyer has a plan to capitalize on what may become be a burgeoning market. David Goldman, a lawyer in Jacksonville, says he will next month launch software, DapTrust, to help estate planners create a legal trust for their clients’ online accounts that hold music, e-books and movies. “With traditional estate planning and wills, there’s no way to give the right to someone to access this kind of information after you’re gone,” he says.
Here’s how it works: Goldman will sell his software for $150 directly to estate planners to store and manage digital accounts and passwords. And, while there are other online safe-deposit boxes like AssetLock and ExecutorSource that already do that, Goldman says his software contains instructions to create a legal trust for accounts. “Having access to digital content and having the legal right to use it are two totally different things,” he says.
The simpler approach is to pass down your devices to an heir when you die...and give them your userid and password at the same time.
http://www.marketwatch.com/story/who-inherits-your-itunes-library-2012-08-23
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Ever wondered who will inherit your digital library? Unless the laws are changed, your MP3s and e-books may go to the grave with you.
Today MarketWatch reported on this problem and offered a solution: A trust for your digital library.
Many of us will accumulate vast libraries of digital books and music over the course of our lifetimes. But when we die, our collections of words and music may expire with us.
Someone who owned 10,000 hardcover books and the same number of vinyl records could bequeath them to descendants, but legal experts say passing on iTunes and Kindle libraries would be much more complicated.
And one’s heirs stand to lose huge sums of money. “I find it hard to imagine a situation where a family would be OK with losing a collection of 10,000 books and songs,” says Evan Carroll, co-author of “Your Digital Afterlife.” “Legally dividing one account among several heirs would also be extremely difficult.”
Part of the problem is that with digital content, one doesn’t have the same rights as with print books and CDs. Customers own a license to use the digital files—but they don’t actually own them.
Imagine all those 99 cent Kindle novels being vaporized in the Cloud when you die. Let's look at a solution:
There are still few legal and practical ways to inherit e-books and digital music, experts say. And at least one lawyer has a plan to capitalize on what may become be a burgeoning market. David Goldman, a lawyer in Jacksonville, says he will next month launch software, DapTrust, to help estate planners create a legal trust for their clients’ online accounts that hold music, e-books and movies. “With traditional estate planning and wills, there’s no way to give the right to someone to access this kind of information after you’re gone,” he says.
Here’s how it works: Goldman will sell his software for $150 directly to estate planners to store and manage digital accounts and passwords. And, while there are other online safe-deposit boxes like AssetLock and ExecutorSource that already do that, Goldman says his software contains instructions to create a legal trust for accounts. “Having access to digital content and having the legal right to use it are two totally different things,” he says.
The simpler approach is to pass down your devices to an heir when you die...and give them your userid and password at the same time.
http://www.marketwatch.com/story/who-inherits-your-itunes-library-2012-08-23
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Should Your iTunes Library Go In a Trust?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Should Your iTunes Library Go In a Trust?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 936-revision
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/936-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/936-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Many of us will accumulate vast libraries of digital books and music over the course of our lifetimes. But when we die, our collections of words and music may expire with us.
Someone who owned 10,000 hardcover books and the same number of vinyl records could bequeath them to descendants, but legal experts say passing on iTunes and Kindle libraries would be much more complicated.
And one’s heirs stand to lose huge sums of money. “I find it hard to imagine a situation where a family would be OK with losing a collection of 10,000 books and songs,” says Evan Carroll, co-author of “Your Digital Afterlife.” “Legally dividing one account among several heirs would also be extremely difficult.”
Part of the problem is that with digital content, one doesn’t have the same rights as with print books and CDs. Customers own a license to use the digital files—but they don’t actually own them.
Imagine all those 99 cent Kindle novels being vaporized in the Cloud when you die. Let's look at a possible solution:
There are still few legal and practical ways to inherit e-books and digital music, experts say. And at least one lawyer has a plan to capitalize on what may become be a burgeoning market. David Goldman, a lawyer in Jacksonville, says he will next month launch software, DapTrust, to help estate planners create a legal trust for their clients’ online accounts that hold music, e-books and movies. “With traditional estate planning and wills, there’s no way to give the right to someone to access this kind of information after you’re gone,” he says.
Here’s how it works: Goldman will sell his software for $150 directly to estate planners to store and manage digital accounts and passwords. And, while there are other online safe-deposit boxes like AssetLock and ExecutorSource that already do that, Goldman says his software contains instructions to create a legal trust for accounts. “Having access to digital content and having the legal right to use it are two totally different things,” he says.
The simpler approach is to pass down your devices to an heir when you die...and give them your userid and password at the same time.
Source: http://www.marketwatch.com/story/who-inherits-your-itunes-library-2012-08-23
Are you a financial advisor interested in using Estate Planning Seminars to grow your practice? Take a look here: MyLivingTrustSeminar.com
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Many of us will accumulate vast libraries of digital books and music over the course of our lifetimes. But when we die, our collections of words and music may expire with us.
Someone who owned 10,000 hardcover books and the same number of vinyl records could bequeath them to descendants, but legal experts say passing on iTunes and Kindle libraries would be much more complicated.
And one’s heirs stand to lose huge sums of money. “I find it hard to imagine a situation where a family would be OK with losing a collection of 10,000 books and songs,” says Evan Carroll, co-author of “Your Digital Afterlife.” “Legally dividing one account among several heirs would also be extremely difficult.”
Part of the problem is that with digital content, one doesn’t have the same rights as with print books and CDs. Customers own a license to use the digital files—but they don’t actually own them.
Imagine all those 99 cent Kindle novels being vaporized in the Cloud when you die. Let's look at a possible solution:
There are still few legal and practical ways to inherit e-books and digital music, experts say. And at least one lawyer has a plan to capitalize on what may become be a burgeoning market. David Goldman, a lawyer in Jacksonville, says he will next month launch software, DapTrust, to help estate planners create a legal trust for their clients’ online accounts that hold music, e-books and movies. “With traditional estate planning and wills, there’s no way to give the right to someone to access this kind of information after you’re gone,” he says.
Here’s how it works: Goldman will sell his software for $150 directly to estate planners to store and manage digital accounts and passwords. And, while there are other online safe-deposit boxes like AssetLock and ExecutorSource that already do that, Goldman says his software contains instructions to create a legal trust for accounts. “Having access to digital content and having the legal right to use it are two totally different things,” he says.
The simpler approach is to pass down your devices to an heir when you die...and give them your userid and password at the same time.
Source: http://www.marketwatch.com/story/who-inherits-your-itunes-library-2012-08-23
Are you a financial advisor interested in using Estate Planning Seminars to grow your practice? Take a look here: MyLivingTrustSeminar.com
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Should Your iTunes Library Go In a Trust?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Should Your iTunes Library Go In a Trust?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: publish
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: should-your-itunes-library-go-in-a-trust
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: should-your-itunes-library-go-in-a-trust
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-08-24 20:03:07
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2012-08-24 20:03:07
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-08-25 03:03:07
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2012-08-25 03:03:07
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=936
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=936
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 938
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 938
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-08-24 19:48:05
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2012-08-24 19:48:05
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-08-25 02:48:05
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2012-08-25 02:48:05
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Ever wondered who will inherit your digital library? Unless the laws are changed, your MP3s and e-books may go to the grave with you.
Today MarketWatch reported on this problem and offered a solution: A trust for your digital library.
Many of us will accumulate vast libraries of digital books and music over the course of our lifetimes. But when we die, our collections of words and music may expire with us.
Someone who owned 10,000 hardcover books and the same number of vinyl records could bequeath them to descendants, but legal experts say passing on iTunes and Kindle libraries would be much more complicated.
And one’s heirs stand to lose huge sums of money. “I find it hard to imagine a situation where a family would be OK with losing a collection of 10,000 books and songs,” says Evan Carroll, co-author of “Your Digital Afterlife.” “Legally dividing one account among several heirs would also be extremely difficult.”
Part of the problem is that with digital content, one doesn’t have the same rights as with print books and CDs. Customers own a license to use the digital files—but they don’t actually own them.
Imagine all those 99 cent Kindle novels being vaporized in the Cloud when you die. Let's look at a solution:
There are still few legal and practical ways to inherit e-books and digital music, experts say. And at least one lawyer has a plan to capitalize on what may become be a burgeoning market. David Goldman, a lawyer in Jacksonville, says he will next month launch software, DapTrust, to help estate planners create a legal trust for their clients’ online accounts that hold music, e-books and movies. “With traditional estate planning and wills, there’s no way to give the right to someone to access this kind of information after you’re gone,” he says.
Here’s how it works: Goldman will sell his software for $150 directly to estate planners to store and manage digital accounts and passwords. And, while there are other online safe-deposit boxes like AssetLock and ExecutorSource that already do that, Goldman says his software contains instructions to create a legal trust for accounts. “Having access to digital content and having the legal right to use it are two totally different things,” he says.
The simpler approach is to pass down your devices to an heir when you die...and give them your userid and password at the same time.
http://www.marketwatch.com/story/who-inherits-your-itunes-library-2012-08-23
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Ever wondered who will inherit your digital library? Unless the laws are changed, your MP3s and e-books may go to the grave with you.
Today MarketWatch reported on this problem and offered a solution: A trust for your digital library.
Many of us will accumulate vast libraries of digital books and music over the course of our lifetimes. But when we die, our collections of words and music may expire with us.
Someone who owned 10,000 hardcover books and the same number of vinyl records could bequeath them to descendants, but legal experts say passing on iTunes and Kindle libraries would be much more complicated.
And one’s heirs stand to lose huge sums of money. “I find it hard to imagine a situation where a family would be OK with losing a collection of 10,000 books and songs,” says Evan Carroll, co-author of “Your Digital Afterlife.” “Legally dividing one account among several heirs would also be extremely difficult.”
Part of the problem is that with digital content, one doesn’t have the same rights as with print books and CDs. Customers own a license to use the digital files—but they don’t actually own them.
Imagine all those 99 cent Kindle novels being vaporized in the Cloud when you die. Let's look at a solution:
There are still few legal and practical ways to inherit e-books and digital music, experts say. And at least one lawyer has a plan to capitalize on what may become be a burgeoning market. David Goldman, a lawyer in Jacksonville, says he will next month launch software, DapTrust, to help estate planners create a legal trust for their clients’ online accounts that hold music, e-books and movies. “With traditional estate planning and wills, there’s no way to give the right to someone to access this kind of information after you’re gone,” he says.
Here’s how it works: Goldman will sell his software for $150 directly to estate planners to store and manage digital accounts and passwords. And, while there are other online safe-deposit boxes like AssetLock and ExecutorSource that already do that, Goldman says his software contains instructions to create a legal trust for accounts. “Having access to digital content and having the legal right to use it are two totally different things,” he says.
The simpler approach is to pass down your devices to an heir when you die...and give them your userid and password at the same time.
http://www.marketwatch.com/story/who-inherits-your-itunes-library-2012-08-23
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Should Your iTunes Library Go In a Trust?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Should Your iTunes Library Go In a Trust?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 936-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 936-revision-2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-08-24 19:48:05
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2012-08-24 19:48:05
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-08-25 02:48:05
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2012-08-25 02:48:05
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 936
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 936
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/936-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/936-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 939
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 939
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-08-24 20:00:09
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: living trust seminars
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: living trust seminars
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inertia_ipod_boy
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inertia_ipod_boy
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 936
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 936
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/wp-content/uploads/inertia_ipod_boy.png
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/wp-content/uploads/inertia_ipod_boy.png
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: attachment
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: attachment
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: image/png
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: image/png
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 940
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 940
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-08-24 19:59:38
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2012-08-24 19:59:38
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-08-25 02:59:38
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2012-08-25 02:59:38
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Ever wondered who will inherit your digital library? Unless the laws are changed, your MP3s and e-books may go to the grave with you.
Today MarketWatch reported on this growing problem and offered a couple of solutions.
Many of us will accumulate vast libraries of digital books and music over the course of our lifetimes. But when we die, our collections of words and music may expire with us.
Someone who owned 10,000 hardcover books and the same number of vinyl records could bequeath them to descendants, but legal experts say passing on iTunes and Kindle libraries would be much more complicated.
And one’s heirs stand to lose huge sums of money. “I find it hard to imagine a situation where a family would be OK with losing a collection of 10,000 books and songs,” says Evan Carroll, co-author of “Your Digital Afterlife.” “Legally dividing one account among several heirs would also be extremely difficult.”
Part of the problem is that with digital content, one doesn’t have the same rights as with print books and CDs. Customers own a license to use the digital files—but they don’t actually own them.
Imagine all those 99 cent Kindle novels being vaporized in the Cloud when you die. Let's look at a possible solution:
There are still few legal and practical ways to inherit e-books and digital music, experts say. And at least one lawyer has a plan to capitalize on what may become be a burgeoning market. David Goldman, a lawyer in Jacksonville, says he will next month launch software, DapTrust, to help estate planners create a legal trust for their clients’ online accounts that hold music, e-books and movies. “With traditional estate planning and wills, there’s no way to give the right to someone to access this kind of information after you’re gone,” he says.
Here’s how it works: Goldman will sell his software for $150 directly to estate planners to store and manage digital accounts and passwords. And, while there are other online safe-deposit boxes like AssetLock and ExecutorSource that already do that, Goldman says his software contains instructions to create a legal trust for accounts. “Having access to digital content and having the legal right to use it are two totally different things,” he says.
The simpler approach is to pass down your devices to an heir when you die...and give them your userid and password at the same time.
Source: http://www.marketwatch.com/story/who-inherits-your-itunes-library-2012-08-23
Are you a financial advisor interested in using Estate Planning Seminars to grow your practice? Take a look here: MyLivingTrustSeminar.com
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Ever wondered who will inherit your digital library? Unless the laws are changed, your MP3s and e-books may go to the grave with you.
Today MarketWatch reported on this growing problem and offered a couple of solutions.
Many of us will accumulate vast libraries of digital books and music over the course of our lifetimes. But when we die, our collections of words and music may expire with us.
Someone who owned 10,000 hardcover books and the same number of vinyl records could bequeath them to descendants, but legal experts say passing on iTunes and Kindle libraries would be much more complicated.
And one’s heirs stand to lose huge sums of money. “I find it hard to imagine a situation where a family would be OK with losing a collection of 10,000 books and songs,” says Evan Carroll, co-author of “Your Digital Afterlife.” “Legally dividing one account among several heirs would also be extremely difficult.”
Part of the problem is that with digital content, one doesn’t have the same rights as with print books and CDs. Customers own a license to use the digital files—but they don’t actually own them.
Imagine all those 99 cent Kindle novels being vaporized in the Cloud when you die. Let's look at a possible solution:
There are still few legal and practical ways to inherit e-books and digital music, experts say. And at least one lawyer has a plan to capitalize on what may become be a burgeoning market. David Goldman, a lawyer in Jacksonville, says he will next month launch software, DapTrust, to help estate planners create a legal trust for their clients’ online accounts that hold music, e-books and movies. “With traditional estate planning and wills, there’s no way to give the right to someone to access this kind of information after you’re gone,” he says.
Here’s how it works: Goldman will sell his software for $150 directly to estate planners to store and manage digital accounts and passwords. And, while there are other online safe-deposit boxes like AssetLock and ExecutorSource that already do that, Goldman says his software contains instructions to create a legal trust for accounts. “Having access to digital content and having the legal right to use it are two totally different things,” he says.
The simpler approach is to pass down your devices to an heir when you die...and give them your userid and password at the same time.
Source: http://www.marketwatch.com/story/who-inherits-your-itunes-library-2012-08-23
Are you a financial advisor interested in using Estate Planning Seminars to grow your practice? Take a look here: MyLivingTrustSeminar.com
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Should Your iTunes Library Go In a Trust?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Should Your iTunes Library Go In a Trust?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 936-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 936-revision-3
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-08-24 19:59:38
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2012-08-24 19:59:38
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-08-25 02:59:38
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2012-08-25 02:59:38
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 936
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 936
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/936-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/936-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: revision
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 941
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 941
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-08-24 20:00:48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2012-08-24 20:00:48
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2012-08-25 03:00:48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Many of us will accumulate vast libraries of digital books and music over the course of our lifetimes. But when we die, our collections of words and music may expire with us.
Someone who owned 10,000 hardcover books and the same number of vinyl records could bequeath them to descendants, but legal experts say passing on iTunes and Kindle libraries would be much more complicated.
And one’s heirs stand to lose huge sums of money. “I find it hard to imagine a situation where a family would be OK with losing a collection of 10,000 books and songs,” says Evan Carroll, co-author of “Your Digital Afterlife.” “Legally dividing one account among several heirs would also be extremely difficult.”
Part of the problem is that with digital content, one doesn’t have the same rights as with print books and CDs. Customers own a license to use the digital files—but they don’t actually own them.
Imagine all those 99 cent Kindle novels being vaporized in the Cloud when you die. Let's look at a possible solution:
There are still few legal and practical ways to inherit e-books and digital music, experts say. And at least one lawyer has a plan to capitalize on what may become be a burgeoning market. David Goldman, a lawyer in Jacksonville, says he will next month launch software, DapTrust, to help estate planners create a legal trust for their clients’ online accounts that hold music, e-books and movies. “With traditional estate planning and wills, there’s no way to give the right to someone to access this kind of information after you’re gone,” he says.
Here’s how it works: Goldman will sell his software for $150 directly to estate planners to store and manage digital accounts and passwords. And, while there are other online safe-deposit boxes like AssetLock and ExecutorSource that already do that, Goldman says his software contains instructions to create a legal trust for accounts. “Having access to digital content and having the legal right to use it are two totally different things,” he says.
The simpler approach is to pass down your devices to an heir when you die...and give them your userid and password at the same time.
Source: http://www.marketwatch.com/story/who-inherits-your-itunes-library-2012-08-23
Are you a financial advisor interested in using Estate Planning Seminars to grow your practice? Take a look here: MyLivingTrustSeminar.com
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Many of us will accumulate vast libraries of digital books and music over the course of our lifetimes. But when we die, our collections of words and music may expire with us.
Someone who owned 10,000 hardcover books and the same number of vinyl records could bequeath them to descendants, but legal experts say passing on iTunes and Kindle libraries would be much more complicated.
And one’s heirs stand to lose huge sums of money. “I find it hard to imagine a situation where a family would be OK with losing a collection of 10,000 books and songs,” says Evan Carroll, co-author of “Your Digital Afterlife.” “Legally dividing one account among several heirs would also be extremely difficult.”
Part of the problem is that with digital content, one doesn’t have the same rights as with print books and CDs. Customers own a license to use the digital files—but they don’t actually own them.
Imagine all those 99 cent Kindle novels being vaporized in the Cloud when you die. Let's look at a possible solution:
There are still few legal and practical ways to inherit e-books and digital music, experts say. And at least one lawyer has a plan to capitalize on what may become be a burgeoning market. David Goldman, a lawyer in Jacksonville, says he will next month launch software, DapTrust, to help estate planners create a legal trust for their clients’ online accounts that hold music, e-books and movies. “With traditional estate planning and wills, there’s no way to give the right to someone to access this kind of information after you’re gone,” he says.
Here’s how it works: Goldman will sell his software for $150 directly to estate planners to store and manage digital accounts and passwords. And, while there are other online safe-deposit boxes like AssetLock and ExecutorSource that already do that, Goldman says his software contains instructions to create a legal trust for accounts. “Having access to digital content and having the legal right to use it are two totally different things,” he says.
The simpler approach is to pass down your devices to an heir when you die...and give them your userid and password at the same time.
Source: http://www.marketwatch.com/story/who-inherits-your-itunes-library-2012-08-23
Are you a financial advisor interested in using Estate Planning Seminars to grow your practice? Take a look here: MyLivingTrustSeminar.com
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Should Your iTunes Library Go In a Trust?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Should Your iTunes Library Go In a Trust?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/936-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/936-revision-4/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 943
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-11-15 22:40:50
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Many people are wondering what will happen to the estate tax now that the election is over. Among the Bush-era tax cuts set to expire is the federal estate tax exemption of $5.12 million. This will fall back to just $1 million where it was in 2001.
Forbes Senior Editor Deborah L. Jacobs has more to say on this topic:
If Congress doesn’t act in a lame-duck session, on Jan. 1, the current $5.12 million per-person exclusion from the federal estate and gift tax will automatically dip to $1 million and the tax on transfers above that amount will rise from 35% to up to 55%. Will it come to that? Perhaps temporarily, but the estate tax exemption has never gone down, and even President Obama favors a $3.5 million exemption. So while there’s a chance the exemption will fall to the $3.5 million level, more likely it will stay where it is (with any decline to $1 million fixed retroactively).
Expect Congress to also extend the special tax break for married couples that’s scheduled to go poof at the dawn of 2013. Portability, as tax geeks call it, allows widows and widowers to add any unused estate tax exclusion of the spouse who died most recently to their own. That means, depending on which exemption amount prevails, married couples together will be able to transfer a total of $7 million, or $10.24 million, tax-free. (See my post, “How To Use The New Tax Break For Married Couples .”) Click here for more .
We'll see what happens as the 99% goes after the 1% which will impact the 53% and so on.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Many people are wondering what will happen to the estate tax now that the election is over. Among the Bush-era tax cuts set to expire is the federal estate tax exemption of $5.12 million. This will fall back to just $1 million where it was in 2001.
Forbes Senior Editor Deborah L. Jacobs has more to say on this topic:
If Congress doesn’t act in a lame-duck session, on Jan. 1, the current $5.12 million per-person exclusion from the federal estate and gift tax will automatically dip to $1 million and the tax on transfers above that amount will rise from 35% to up to 55%. Will it come to that? Perhaps temporarily, but the estate tax exemption has never gone down, and even President Obama favors a $3.5 million exemption. So while there’s a chance the exemption will fall to the $3.5 million level, more likely it will stay where it is (with any decline to $1 million fixed retroactively).
Expect Congress to also extend the special tax break for married couples that’s scheduled to go poof at the dawn of 2013. Portability, as tax geeks call it, allows widows and widowers to add any unused estate tax exclusion of the spouse who died most recently to their own. That means, depending on which exemption amount prevails, married couples together will be able to transfer a total of $7 million, or $10.24 million, tax-free. (See my post, “How To Use The New Tax Break For Married Couples .”) Click here for more .
We'll see what happens as the 99% goes after the 1% which will impact the 53% and so on.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Will The Estate Tax Boomerang As We Go Over The Fiscal Cliff?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Will The Estate Tax Boomerang As We Go Over The Fiscal Cliff?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Many people are wondering what will happen to the estate tax now that the election is over. Among the Bush-era tax cuts set to expire is the federal estate tax exemption of $5.12 million. This will fall back to just $1 million where it was in 2001.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Many people are wondering what will happen to the estate tax now that the election is over. Among the Bush-era tax cuts set to expire is the federal estate tax exemption of $5.12 million. This will fall back to just $1 million where it was in 2001.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: publish
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-11-15 22:40:50
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=943
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=943
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 944
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-11-15 22:36:05
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2012-11-16 06:36:05
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Many people are wondering what will happen to the estate tax now that the election is over. Among the Bush-era tax cuts set to expire is the federal estate tax exemption of $5.12 million. This will fall back to just $1 million where it was in 2001.
Forbes Senior Editor Deborah L. Jacobs has more to say on this topic:
If Congress doesn’t act in a lame-duck session, on Jan. 1, the current $5.12 million per-person exclusion from the federal estate and gift tax will automatically dip to $1 million and the tax on transfers above that amount will rise from 35% to up to 55%. Will it come to that? Perhaps temporarily, but the estate tax exemption has never gone down, and even President Obama favors a $3.5 million exemption. So while there’s a chance the exemption will fall to the $3.5 million level, more likely it will stay where it is (with any decline to $1 million fixed retroactively).
Expect Congress to also extend the special tax break for married couples that’s scheduled to go poof at the dawn of 2013. Portability, as tax geeks call it, allows widows and widowers to add any unused estate tax exclusion of the spouse who died most recently to their own. That means, depending on which exemption amount prevails, married couples together will be able to transfer a total of $7 million, or $10.24 million, tax-free. (See my post, “How To Use The New Tax Break For Married Couples .”) Click here for more .
We'll see what happens as the 99% goes after the 1% which will impact the 53% and so on.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Many people are wondering what will happen to the estate tax now that the election is over. Among the Bush-era tax cuts set to expire is the federal estate tax exemption of $5.12 million. This will fall back to just $1 million where it was in 2001.
Forbes Senior Editor Deborah L. Jacobs has more to say on this topic:
If Congress doesn’t act in a lame-duck session, on Jan. 1, the current $5.12 million per-person exclusion from the federal estate and gift tax will automatically dip to $1 million and the tax on transfers above that amount will rise from 35% to up to 55%. Will it come to that? Perhaps temporarily, but the estate tax exemption has never gone down, and even President Obama favors a $3.5 million exemption. So while there’s a chance the exemption will fall to the $3.5 million level, more likely it will stay where it is (with any decline to $1 million fixed retroactively).
Expect Congress to also extend the special tax break for married couples that’s scheduled to go poof at the dawn of 2013. Portability, as tax geeks call it, allows widows and widowers to add any unused estate tax exclusion of the spouse who died most recently to their own. That means, depending on which exemption amount prevails, married couples together will be able to transfer a total of $7 million, or $10.24 million, tax-free. (See my post, “How To Use The New Tax Break For Married Couples .”) Click here for more .
We'll see what happens as the 99% goes after the 1% which will impact the 53% and so on.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Will The Estate Tax Boomerang As We Go Over The Fiscal Cliff?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Will The Estate Tax Boomerang As We Go Over The Fiscal Cliff?
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 943
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/943-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/943-revision/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 945
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Many people are wondering what will happen to the estate tax now that the election is over. Among the Bush-era tax cuts set to expire is the federal estate tax exemption of $5.12 million. This will fall back to just $1 million where it was in 2001.
Forbes Senior Editor Deborah L. Jacobs has more to say on this topic:
If Congress doesn’t act in a lame-duck session, on Jan. 1, the current $5.12 million per-person exclusion from the federal estate and gift tax will automatically dip to $1 million and the tax on transfers above that amount will rise from 35% to up to 55%. Will it come to that? Perhaps temporarily, but the estate tax exemption has never gone down, and even President Obama favors a $3.5 million exemption. So while there’s a chance the exemption will fall to the $3.5 million level, more likely it will stay where it is (with any decline to $1 million fixed retroactively).
Expect Congress to also extend the special tax break for married couples that’s scheduled to go poof at the dawn of 2013. Portability, as tax geeks call it, allows widows and widowers to add any unused estate tax exclusion of the spouse who died most recently to their own. That means, depending on which exemption amount prevails, married couples together will be able to transfer a total of $7 million, or $10.24 million, tax-free. (See my post, “How To Use The New Tax Break For Married Couples .”) Click here for more .
We'll see what happens as the 99% goes after the 1% which will impact the 53% and so on.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Many people are wondering what will happen to the estate tax now that the election is over. Among the Bush-era tax cuts set to expire is the federal estate tax exemption of $5.12 million. This will fall back to just $1 million where it was in 2001.
Forbes Senior Editor Deborah L. Jacobs has more to say on this topic:
If Congress doesn’t act in a lame-duck session, on Jan. 1, the current $5.12 million per-person exclusion from the federal estate and gift tax will automatically dip to $1 million and the tax on transfers above that amount will rise from 35% to up to 55%. Will it come to that? Perhaps temporarily, but the estate tax exemption has never gone down, and even President Obama favors a $3.5 million exemption. So while there’s a chance the exemption will fall to the $3.5 million level, more likely it will stay where it is (with any decline to $1 million fixed retroactively).
Expect Congress to also extend the special tax break for married couples that’s scheduled to go poof at the dawn of 2013. Portability, as tax geeks call it, allows widows and widowers to add any unused estate tax exclusion of the spouse who died most recently to their own. That means, depending on which exemption amount prevails, married couples together will be able to transfer a total of $7 million, or $10.24 million, tax-free. (See my post, “How To Use The New Tax Break For Married Couples .”) Click here for more .
We'll see what happens as the 99% goes after the 1% which will impact the 53% and so on.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Will The Estate Tax Boomerang As We Go Over The Fiscal Cliff?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Will The Estate Tax Boomerang As We Go Over The Fiscal Cliff?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Many people are wondering what will happen to the estate tax now that the election is over. Among the Bush-era tax cuts set to expire is the federal estate tax exemption of $5.12 million. This will fall back to just $1 million where it was in 2001.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Many people are wondering what will happen to the estate tax now that the election is over. Among the Bush-era tax cuts set to expire is the federal estate tax exemption of $5.12 million. This will fall back to just $1 million where it was in 2001.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inherit
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: open
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: open
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 943-revision-2
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-11-15 22:38:35
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2012-11-15 22:38:35
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 943
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 943
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/943-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/943-revision-2/
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2012-11-15 22:39:48
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Many people are wondering what will happen to the estate tax now that the election is over. Among the Bush-era tax cuts set to expire is the federal estate tax exemption of $5.12 million. This will fall back to just $1 million where it was in 2001.
Forbes Senior Editor Deborah L. Jacobs has more to say on this topic:
If Congress doesn’t act in a lame-duck session, on Jan. 1, the current $5.12 million per-person exclusion from the federal estate and gift tax will automatically dip to $1 million and the tax on transfers above that amount will rise from 35% to up to 55%. Will it come to that? Perhaps temporarily, but the estate tax exemption has never gone down, and even President Obama favors a $3.5 million exemption. So while there’s a chance the exemption will fall to the $3.5 million level, more likely it will stay where it is (with any decline to $1 million fixed retroactively).
Expect Congress to also extend the special tax break for married couples that’s scheduled to go poof at the dawn of 2013. Portability, as tax geeks call it, allows widows and widowers to add any unused estate tax exclusion of the spouse who died most recently to their own. That means, depending on which exemption amount prevails, married couples together will be able to transfer a total of $7 million, or $10.24 million, tax-free. (See my post, “How To Use The New Tax Break For Married Couples .”) Click here for more .
We'll see what happens as the 99% goes after the 1% which will impact the 53% and so on.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Many people are wondering what will happen to the estate tax now that the election is over. Among the Bush-era tax cuts set to expire is the federal estate tax exemption of $5.12 million. This will fall back to just $1 million where it was in 2001.
Forbes Senior Editor Deborah L. Jacobs has more to say on this topic:
If Congress doesn’t act in a lame-duck session, on Jan. 1, the current $5.12 million per-person exclusion from the federal estate and gift tax will automatically dip to $1 million and the tax on transfers above that amount will rise from 35% to up to 55%. Will it come to that? Perhaps temporarily, but the estate tax exemption has never gone down, and even President Obama favors a $3.5 million exemption. So while there’s a chance the exemption will fall to the $3.5 million level, more likely it will stay where it is (with any decline to $1 million fixed retroactively).
Expect Congress to also extend the special tax break for married couples that’s scheduled to go poof at the dawn of 2013. Portability, as tax geeks call it, allows widows and widowers to add any unused estate tax exclusion of the spouse who died most recently to their own. That means, depending on which exemption amount prevails, married couples together will be able to transfer a total of $7 million, or $10.24 million, tax-free. (See my post, “How To Use The New Tax Break For Married Couples .”) Click here for more .
We'll see what happens as the 99% goes after the 1% which will impact the 53% and so on.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Will The Estate Tax Boomerang As We Go Over The Fiscal Cliff?
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Will The Estate Tax Boomerang As We Go Over The Fiscal Cliff?
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Many people are wondering what will happen to the estate tax now that the election is over. Among the Bush-era tax cuts set to expire is the federal estate tax exemption of $5.12 million. This will fall back to just $1 million where it was in 2001.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Many people are wondering what will happen to the estate tax now that the election is over. Among the Bush-era tax cuts set to expire is the federal estate tax exemption of $5.12 million. This will fall back to just $1 million where it was in 2001.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inherit
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/943-revision-3/
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/943-revision-3/
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Auto Draft
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: http://www.AdvisorMarketingSuccess.com/?p=947
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: http://richardemmons.com/?p=947
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 406
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 406
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 406
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 415
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 5
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 427
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 428
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 443
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 15
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 675
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 35
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 680
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 677
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 677
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 675
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 5
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 675
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 700
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 35
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 702
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 720
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 5
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 35
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 713
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 15
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 727
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 730
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 4
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 730
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 730
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 734
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 736
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 736
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 737
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 737
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 738
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 738
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 739
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 752
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 750
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 764
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 772
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 777
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 15
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 780
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 15
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 5
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 800
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 814
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 818
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 818
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 819
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 819
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 820
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 820
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 821
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 821
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 822
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 822
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 823
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 823
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 5
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 5
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 815
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 824
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 824
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 825
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 825
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 826
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 826
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 828
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 828
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 829
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 829
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 833
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 833
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 830
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 830
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 831
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 831
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 832
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 832
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 827
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 827
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 5
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 5
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 834
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 834
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 5
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 5
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 834
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 834
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 4
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 4
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 835
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 835
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 836
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 836
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 837
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 837
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 838
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 838
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 839
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 839
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 840
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 840
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 841
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 841
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 842
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 842
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 843
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 843
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 844
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 844
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 845
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 845
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 846
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 846
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 847
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 847
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 848
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 848
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 850
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 850
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 851
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 852
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 853
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 853
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 854
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 854
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 855
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 849
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 23
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 849
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 29
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 857
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 856
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 5
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 856
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 4
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 856
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 37
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 856
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 15
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 856
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 856
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 35
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 858
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 859
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 863
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 865
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 864
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 862
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 23
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 862
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 29
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 866
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 866
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 867
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 867
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 868
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 868
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 868
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 868
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 868
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 868
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 868
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 862
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 862
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 862
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 862
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 862
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 862
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 862
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 869
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 869
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 869
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 869
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 869
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 869
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 869
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 869
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 869
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 869
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 870
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 870
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 870
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 870
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 870
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 870
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 870
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 870
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 870
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 871
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 871
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 871
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 871
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 871
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 871
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 871
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 871
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 872
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 872
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 872
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 872
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 872
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 872
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 872
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 872
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 872
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 872
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 873
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 873
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 873
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 873
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 873
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 873
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 873
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 874
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 874
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 874
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 874
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 874
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 874
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 874
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 874
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 876
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 876
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 875
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 14
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 14
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 877
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 877
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 878
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 879
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 879
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 14
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 14
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 879
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 7
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 25
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 875
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 880
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 880
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 880
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 14
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 14
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 880
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 881
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 881
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 881
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 881
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 14
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 14
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 881
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 881
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 882
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 884
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 884
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 885
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 885
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 885
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 885
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 885
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 14
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 14
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 886
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 886
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 886
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 886
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 886
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 886
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 14
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 14
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 887
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 887
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 883
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 883
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 888
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 888
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 889
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 889
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 890
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 890
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 891
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 891
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 892
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 892
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 893
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 893
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 894
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 894
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 895
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 895
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 896
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 896
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 897
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 897
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 899
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 899
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 902
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 902
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 900
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 900
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 901
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 901
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 898
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 898
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 23
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 898
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 29
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 902
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 49
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 902
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 50
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 902
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 51
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 902
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 52
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 902
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 53
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 898
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 898
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 49
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 49
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 898
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 898
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 50
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 50
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 898
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 51
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 898
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 52
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 898
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 53
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 903
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 905
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 906
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 53
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 906
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 906
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 906
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 906
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 906
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 58
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 906
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 904
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 904
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 904
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 907
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 907
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 912
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 912
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 912
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 912
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 54
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 912
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 22
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 22
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 911
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 911
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 4
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 911
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 911
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 911
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 911
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 911
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 54
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 911
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 911
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 22
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 913
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 913
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 913
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 913
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 54
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 913
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 22
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 22
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 914
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 915
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 915
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 915
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 915
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 54
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 915
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 22
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 916
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 916
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 916
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 39
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 916
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 54
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 54
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 916
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 22
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 22
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 918
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 917
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 22
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 919
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 920
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 921
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 921
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 22
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 921
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 917
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 4
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 917
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 39
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 922
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 922
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 922
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 22
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 922
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 923
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 923
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 22
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 923
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 924
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 924
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 22
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 924
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 926
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 926
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 926
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 926
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 929
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 29
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 929
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 4
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 936
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 4
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 936
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 23
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 943
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 23
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 950
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 950
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 20
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 950
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: category
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: link_category
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: link_category
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: category
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: category
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: category
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: category
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: category
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: category
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: category
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: category
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: category
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: category
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: category
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: category
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: category
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 31
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 31
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 29
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 29
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 32
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 32
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 30
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 30
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 33
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 26
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 26
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 5
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 5
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 34
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 34
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 31
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 31
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 35
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 35
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 32
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 32
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 36
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 36
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 33
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 33
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 4
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 4
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 37
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 37
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 34
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 34
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 4
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 4
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 38
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 38
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 35
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 35
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: category
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: category
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 39
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 36
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 36
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 12
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 12
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 37
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 37
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 41
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 41
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 38
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 38
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 42
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 42
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 39
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 43
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 3
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 44
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 44
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 41
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 41
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 42
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 42
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 43
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 43
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 44
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 44
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 48
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 23
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 49
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 49
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 50
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 50
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 51
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 51
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 52
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 52
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 53
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 53
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 49
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 49
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 54
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 54
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 50
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 50
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 55
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 55
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 51
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 51
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 56
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 56
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 52
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 57
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 57
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[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 53
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 58
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 58
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 54
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 54
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 59
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[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 55
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 55
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: post_tag
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Uncategorized
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Uncategorized
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: uncategorized
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: uncategorized
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 8
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 8
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Blogroll
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Blogroll
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: blogroll
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: blogroll
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 4
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 4
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Seminars
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: seminars
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: seminars
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 4
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 4
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 5
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 5
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Marketing
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Marketing
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: marketing
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: marketing
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 7
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 7
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Book Reviews
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Book Reviews
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: book-reviews
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: book-reviews
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 6
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 6
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 8
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 8
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: niche
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: niche
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: niche
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: niche
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 9
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 9
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: staff
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: staff
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: staff
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: staff
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: office
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: office
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: office
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: office
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 11
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 11
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: growth
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: growth
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: growth
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: growth
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 12
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 12
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: business plans
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: business plans
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: business-plans
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: business-plans
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 13
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 13
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: priorities
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: priorities
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: priorities
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: priorities
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 14
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 14
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: time management
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: time management
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: time-management
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: time-management
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Scams
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Scams
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: scam-artists
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: scam-artists
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 7
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 7
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 16
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 16
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: madoff
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: madoff
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: madoff
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: madoff
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 17
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 17
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: ponzi
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: ponzi
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: ponzi
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: ponzi
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 18
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: compliance
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: compliance
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: compliance
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: compliance
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 19
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 19
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: estate tax
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: estate tax
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: estate-tax
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: estate-tax
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 20
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 20
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Estate Planning
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Estate Planning
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: estate-planning
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: estate-planning
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: living trusts
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: living trusts
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: living-trusts
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: living-trusts
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 22
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 22
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: death tax
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: death tax
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: death-tax
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: death-tax
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 23
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 23
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Productivity
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: productivity
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: productivity
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 3
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 26
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 26
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Investments
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Investments
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: investments
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: investments
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 5
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 5
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 27
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 27
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Hot News!
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Hot News!
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: hot-news
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: hot-news
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: advisor news
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: advisor news
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: advisor-news
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: advisor-news
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 29
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 29
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inflation
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inflation
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: inflation
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: inflation
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 30
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 30
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: retirement planning
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: retirement planning
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: retirement-planning
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: retirement-planning
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 31
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 31
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: social security
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: social security
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: social-security
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: social-security
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 32
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 32
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: advertising
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: advertising
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: advertising
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: advertising
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 33
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 33
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Taxes
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Taxes
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: taxes
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: taxes
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 34
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 34
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Radio
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Radio
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: radio
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: radio
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 35
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 35
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Downloads
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Downloads
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: downloads
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: downloads
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 36
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 36
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: seminar marketing
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: seminar marketing
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: seminar-marketing
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: seminar-marketing
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 37
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 37
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: twitter
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: twitter
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: twitter
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: twitter
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 38
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 38
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: facebook
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: facebook
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: facebook
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: facebook
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 39
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 39
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: television
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: television
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: television
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: television
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: pr
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: pr
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: pr
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: pr
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 41
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 41
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: website
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: website
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: website
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: website
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 42
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 42
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: estate tax laws
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: estate tax laws
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: estate-tax-laws
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: estate-tax-laws
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 43
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 43
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: federal estate tax
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: federal estate tax
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: federal-estate-tax
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: federal-estate-tax
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 44
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 44
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: gift tax
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: gift tax
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: gift-tax
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: gift-tax
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: CDs
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: CDs
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: cds
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: cds
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: interest rates
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: interest rates
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: interest-rates
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: interest-rates
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: fed
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: fed
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: fed
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: fed
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: deficit spending
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: deficit spending
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: deficit-spending
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: deficit-spending
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 49
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 49
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: advisor marketing
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: advisor marketing
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: advisor-marketing
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: advisor-marketing
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 50
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 50
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: financial advisor marketing
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: financial advisor marketing
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: financial-advisor-marketing
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: financial-advisor-marketing
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 51
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 51
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: richard emmons
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: richard emmons
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: richard-emmons
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: richard-emmons
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 52
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 52
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: reality marketing
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: reality marketing
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: reality-marketing
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: reality-marketing
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 53
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 53
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: copyrighting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: copyrighting
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: copyrighting
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: copyrighting
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 54
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 54
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: oval office carpet
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: oval office carpet
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: oval-office-carpet
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: oval-office-carpet
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 55
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 55
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: teddy roosevelt
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: teddy roosevelt
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: teddy-roosevelt
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: teddy-roosevelt
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: nickname
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: nickname
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: admin
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: admin
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: rich_editing
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: rich_editing
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 3
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 3
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: comment_shortcuts
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: comment_shortcuts
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: false
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: false
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 4
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 4
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: admin_color
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: admin_color
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: classic
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: classic
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 5
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 5
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: wp_capabilities
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: wp_capabilities
[Aug 5, 2013, 7:06PM-all] Serialized ORIGINAL data: a:1:{s:13:"administrator";b:1;}
[Aug 5, 2013, 7:06PM-all] Serialized EDITED data: a:1:{s:13:"administrator";b:1;}
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 7
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 7
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: wp_user_level
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: wp_user_level
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: wp_usersettings
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: wp_usersettings
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: m0=o&m1=o&m2=c&m3=c&m4=c&m5=c&m6=c&m7=c&m8=c&m9=o&editor=tinymce&hidetb=1&align=right&imgsize=medium&m10=o&m11=o
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: m0=o&m1=o&m2=c&m3=c&m4=c&m5=c&m6=c&m7=c&m8=c&m9=o&editor=tinymce&hidetb=1&align=right&imgsize=medium&m10=o&m11=o
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 11
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 11
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: wp_usersettingstime
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: wp_usersettingstime
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1311098084
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1311098084
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 12
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 12
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: wp_autosave_draft_ids
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: wp_autosave_draft_ids
[Aug 5, 2013, 7:06PM-all] Serialized ORIGINAL data: a:63:{i:-1262634122;i:331;i:-1262899239;i:341;i:-1263255832;i:364;i:-1263425538;i:386;i:-1264121074;i:389;i:-1264294302;i:394;i:-1264468375;i:406;i:-1264634603;i:415;i:-1265158076;i:424;i:-1265420216;i:431;i:-1265732149;i:443;i:-1266257078;i:444;i:-1266430041;i:465;i:-1266962422;i:479;i:-1266962605;i:481;i:-1267243727;i:489;i:-1267290706;i:498;i:-1267477567;i:505;i:-1267483835;i:515;i:-1267506324;i:520;i:-1267922339;i:545;i:-1268279225;i:552;i:-1268440652;i:571;i:-1268800534;i:592;i:-1268837845;i:603;i:-1269297108;i:609;i:-1269473439;i:617;i:-1269623949;i:621;i:-1269908748;i:636;i:-1270016639;i:640;i:-1270238217;i:647;i:-1270766880;i:660;i:-1270966777;i:668;i:-1271090164;i:675;i:-1271118025;i:677;i:-1271310308;i:699;i:-1271362225;i:710;i:-1271434508;i:713;i:-1271568849;i:730;i:-1271732196;i:734;i:-1271995394;i:744;i:-1272326808;i:755;i:-1272677545;i:764;i:-1272751961;i:767;i:-1273216075;i:772;i:-1273769213;i:778;i:-1273950216;i:781;i:-1274135146;i:790;i:-1274466627;i:800;i:-1274598279;i:815;i:-1275452704;i:827;i:-1275609293;i:834;i:-1275971141;i:844;i:-1276061602;i:849;i:-1276111434;i:856;i:-1276560553;i:862;i:-1277425730;i:875;i:-1277926338;i:883;i:-1281654414;i:898;i:-1283620335;i:904;i:-1285015595;i:909;i:-1308778574;i:911;i:-1309407391;i:917;}
[Aug 5, 2013, 7:06PM-all] Serialized EDITED data: a:63:{i:-1262634122;i:331;i:-1262899239;i:341;i:-1263255832;i:364;i:-1263425538;i:386;i:-1264121074;i:389;i:-1264294302;i:394;i:-1264468375;i:406;i:-1264634603;i:415;i:-1265158076;i:424;i:-1265420216;i:431;i:-1265732149;i:443;i:-1266257078;i:444;i:-1266430041;i:465;i:-1266962422;i:479;i:-1266962605;i:481;i:-1267243727;i:489;i:-1267290706;i:498;i:-1267477567;i:505;i:-1267483835;i:515;i:-1267506324;i:520;i:-1267922339;i:545;i:-1268279225;i:552;i:-1268440652;i:571;i:-1268800534;i:592;i:-1268837845;i:603;i:-1269297108;i:609;i:-1269473439;i:617;i:-1269623949;i:621;i:-1269908748;i:636;i:-1270016639;i:640;i:-1270238217;i:647;i:-1270766880;i:660;i:-1270966777;i:668;i:-1271090164;i:675;i:-1271118025;i:677;i:-1271310308;i:699;i:-1271362225;i:710;i:-1271434508;i:713;i:-1271568849;i:730;i:-1271732196;i:734;i:-1271995394;i:744;i:-1272326808;i:755;i:-1272677545;i:764;i:-1272751961;i:767;i:-1273216075;i:772;i:-1273769213;i:778;i:-1273950216;i:781;i:-1274135146;i:790;i:-1274466627;i:800;i:-1274598279;i:815;i:-1275452704;i:827;i:-1275609293;i:834;i:-1275971141;i:844;i:-1276061602;i:849;i:-1276111434;i:856;i:-1276560553;i:862;i:-1277425730;i:875;i:-1277926338;i:883;i:-1281654414;i:898;i:-1283620335;i:904;i:-1285015595;i:909;i:-1308778574;i:911;i:-1309407391;i:917;}
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 25
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 25
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: last_name
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: last_name
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Emmons
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Emmons
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 26
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 26
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: nickname
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: nickname
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 27
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 27
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: rich_editing
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: rich_editing
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: true
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: true
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 28
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 28
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: comment_shortcuts
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: comment_shortcuts
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: false
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: false
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 29
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 29
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: admin_color
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: admin_color
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: fresh
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: fresh
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 30
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 30
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: wp_capabilities
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: wp_capabilities
[Aug 5, 2013, 7:06PM-all] Serialized ORIGINAL data: a:1:{s:13:"administrator";b:1;}
[Aug 5, 2013, 7:06PM-all] Serialized EDITED data: a:1:{s:13:"administrator";b:1;}
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 31
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 31
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: wp_user_level
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: wp_user_level
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 10
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 10
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 13
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 13
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: first_name
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: first_name
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 14
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 14
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: last_name
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: last_name
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Emmons
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Emmons
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 15
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 15
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: closedpostboxes_post
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: closedpostboxes_post
[Aug 5, 2013, 7:06PM-all] Serialized ORIGINAL data: a:5:{i:0;s:13:"trackbacksdiv";i:1;s:16:"commentstatusdiv";i:2;s:9:"authordiv";i:3;s:12:"revisionsdiv";i:4;s:4:"seo2";}
[Aug 5, 2013, 7:06PM-all] Serialized EDITED data: a:5:{i:0;s:13:"trackbacksdiv";i:1;s:16:"commentstatusdiv";i:2;s:9:"authordiv";i:3;s:12:"revisionsdiv";i:4;s:4:"seo2";}
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 16
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 16
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: metaboxhidden_post
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: metaboxhidden_post
[Aug 5, 2013, 7:06PM-all] Serialized ORIGINAL data: a:2:{i:0;s:10:"postcustom";i:1;s:7:"slugdiv";}
[Aug 5, 2013, 7:06PM-all] Serialized EDITED data: a:2:{i:0;s:10:"postcustom";i:1;s:7:"slugdiv";}
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 17
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 17
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: closedpostboxes_dashboard
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: closedpostboxes_dashboard
[Aug 5, 2013, 7:06PM-all] Serialized ORIGINAL data: a:1:{i:0;s:0:"";}
[Aug 5, 2013, 7:06PM-all] Serialized EDITED data: a:1:{i:0;s:0:"";}
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 18
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 18
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: metaboxhidden_dashboard
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: metaboxhidden_dashboard
[Aug 5, 2013, 7:06PM-all] Serialized ORIGINAL data: a:5:{i:0;s:17:"dashboard_plugins";i:1;s:15:"yoast_db_widget";i:2;s:21:"dashboard_quick_press";i:3;s:17:"dashboard_primary";i:4;s:19:"dashboard_secondary";}
[Aug 5, 2013, 7:06PM-all] Serialized EDITED data: a:5:{i:0;s:17:"dashboard_plugins";i:1;s:15:"yoast_db_widget";i:2;s:21:"dashboard_quick_press";i:3;s:17:"dashboard_primary";i:4;s:19:"dashboard_secondary";}
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 20
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 20
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: screen_layout_dashboard
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: screen_layout_dashboard
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 21
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: closedpostboxes_page
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: closedpostboxes_page
[Aug 5, 2013, 7:06PM-all] Serialized ORIGINAL data: a:4:{i:0;s:10:"postcustom";i:1;s:16:"commentstatusdiv";i:2;s:12:"revisionsdiv";i:3;s:29:"amazon-reloaded-for-wordpress";}
[Aug 5, 2013, 7:06PM-all] Serialized EDITED data: a:4:{i:0;s:10:"postcustom";i:1;s:16:"commentstatusdiv";i:2;s:12:"revisionsdiv";i:3;s:29:"amazon-reloaded-for-wordpress";}
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 22
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 22
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: metaboxhidden_page
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: metaboxhidden_page
[Aug 5, 2013, 7:06PM-all] Serialized ORIGINAL data: a:1:{i:0;s:7:"slugdiv";}
[Aug 5, 2013, 7:06PM-all] Serialized EDITED data: a:1:{i:0;s:7:"slugdiv";}
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 24
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 24
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: first_name
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: first_name
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 32
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 32
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: closedpostboxes_dashboard
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: closedpostboxes_dashboard
[Aug 5, 2013, 7:06PM-all] Serialized ORIGINAL data: a:1:{i:0;s:0:"";}
[Aug 5, 2013, 7:06PM-all] Serialized EDITED data: a:1:{i:0;s:0:"";}
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 33
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 33
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: metaboxhidden_dashboard
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: metaboxhidden_dashboard
[Aug 5, 2013, 7:06PM-all] Serialized ORIGINAL data: a:4:{i:0;s:15:"yoast_db_widget";i:1;s:21:"dashboard_quick_press";i:2;s:17:"dashboard_primary";i:3;s:19:"dashboard_secondary";}
[Aug 5, 2013, 7:06PM-all] Serialized EDITED data: a:4:{i:0;s:15:"yoast_db_widget";i:1;s:21:"dashboard_quick_press";i:2;s:17:"dashboard_primary";i:3;s:19:"dashboard_secondary";}
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 35
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 35
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: screen_layout_dashboard
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: screen_layout_dashboard
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 36
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 36
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: wp_usersettings
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: wp_usersettings
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: m5=o&m9=o&m6=o&m8=c&m10=o
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: m5=o&m9=o&m6=o&m8=c&m10=o
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 37
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 37
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: wp_usersettingstime
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: wp_usersettingstime
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1262815909
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1262815909
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 40
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 40
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: screen_layout_post
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: screen_layout_post
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 42
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 42
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: screen_layout_page
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: screen_layout_page
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 45
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: wp_dashboard_quick_press_last_post_id
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: wp_dashboard_quick_press_last_post_id
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 947
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 947
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 46
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: dismissed_wp_pointers
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: dismissed_wp_pointers
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: wp330_toolbar,wp330_media_uploader
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: wp330_toolbar,wp330_media_uploader
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 47
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: wp_user-settings
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: wp_user-settings
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: hidetb=1&align=right&editor=html
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: hidetb=1&align=right&editor=html
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 48
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: wp_user-settings-time
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: wp_user-settings-time
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1353697459
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1353697459
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 1
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: reality6
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: reality6
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: $P$Bo6Kpf9yTEVt2ApzHg3RLkq3lirU3R.
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: $P$Bo6Kpf9yTEVt2ApzHg3RLkq3lirU3R.
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: richard@AdvisorMarketingSuccess.com
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: richard@AdvisorMarketingSuccess.com
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2009-09-22 03:32:16
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2009-09-22 03:32:16
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: $P$Bup5Jht1YRNHqjGg5I.kp8dg1Z4CBF0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: $P$Bup5Jht1YRNHqjGg5I.kp8dg1Z4CBF0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: richard-2
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: richard-2
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: richardnemmons@gmail.com
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: richardnemmons@gmail.com
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 2010-01-04 23:01:31
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 2010-01-04 23:01:31
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data:
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data:
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: 0
[Aug 5, 2013, 7:06PM-all] Not serialized ORIGINAL data: Richard
[Aug 5, 2013, 7:06PM-all] Not serialized EDITED data: Richard
[Aug 5, 2013, 7:06PM-all] Finished migration of DB.
[Aug 5, 2013, 7:06PM-all] Finished restoring database.
[Aug 5, 2013, 7:06PM-all] Beginning migrating wp-config
[Aug 5, 2013, 7:06PM-all] Changed wp-config permissions to 755.
[Aug 5, 2013, 7:06PM-all] Finished migrating wp-config
[Aug 5, 2013, 7:06PM-all] Completed step #5.
[Aug 5, 2013, 7:06PM-all] Initiating step #6.
[Aug 5, 2013, 7:06PM-all] Beginning step 6 cleanup!
[Aug 5, 2013, 7:06PM-all] Deleting backup .ZIP file (backup-www_AdvisorMarketingSuccess_com-2013_08_06-am8f6i42qd.zip) ...
[Aug 5, 2013, 7:06PM-all] Finished deleting backup .ZIP file (backup-www_AdvisorMarketingSuccess_com-2013_08_06-am8f6i42qd.zip).
[Aug 5, 2013, 7:06PM-all] Deleting importbuddy.php (this script) ...
[Aug 5, 2013, 7:06PM-error] File importbuddy.php (this script) was not found to delete. Already deleted? Error Code:
[Aug 5, 2013, 7:06PM-all] Deleting db.sql (backup database dump) ...
[Aug 5, 2013, 7:06PM-error] File db.sql (backup database dump) couldn't be deleted. File permissions (-rwxrwxrwx) did not allow it. You may manually delete this file if you wish. Error Code:
[Aug 5, 2013, 7:06PM-all] Deleting db.sql (backup database dump) ...
[Aug 5, 2013, 7:06PM-all] File db.sql (backup database dump) was not found to delete. Already deleted?
[Aug 5, 2013, 7:06PM-all] Deleting backupbuddy_dat.php (backup data file) ...
[Aug 5, 2013, 7:06PM-error] File backupbuddy_dat.php (backup data file) couldn't be deleted. File permissions (-rwxrwxrwx) did not allow it. You may manually delete this file if you wish. Error Code:
[Aug 5, 2013, 7:06PM-all] Deleting backupbuddy_dat.php (backup data file) ...
[Aug 5, 2013, 7:06PM-all] File backupbuddy_dat.php (backup data file) was not found to delete. Already deleted?
[Aug 5, 2013, 7:06PM-all] Finished step 6 cleanup! Kerfuffle!
[Aug 5, 2013, 7:06PM-all] Completed step #6.
